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Need an appraisal in Spring Hill or Pasco County?
The top 7 reasons why Florida homeowners use LRS & Associates:
- Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
- Challenge Pasco County's assessment of your property value
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Remove PMI to lower a mortgage payment
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To reinstate your Home Equity Line of Credit (HELOC)
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To review a different appraiser's report for verification
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If real estate property needs to be divided because of a divorce
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To determine the true market value of a property to settle an estate in Pasco county or Florida
We at LRS & Associates understand the particular needs of a homeowner after appraisal services.
While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For-Sale-by-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it.
The professional appraisers at LRS & Associates will tell you what you need to know -- not just what you want to hear. We are objective.
In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer.
It gives you something tangible to show the buyer.
An appraisal is an independent third party's opinion of your house's value -- not just how much your house is worth.
Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.
Challenge Pasco County's assessment of your property
Your local tax assessor may have your home overvalued if your house is not appreciating as much as other homes nearby.
This only means you're paying higher taxes than you should be paying.
Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be.
An appraisal from LRS & Associates is your perfect weapon when contesting your property tax assessment.
Need to cancel PMI?
An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance".
Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down.
LRS & Associates is experienced in helping people just like you get rid of unneeded PMI insurance.
Recently got a freeze to your HELOC?
Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area.
Not only can this be difficult and inconvenient from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out.
LRS & Associates can help you reinstate your home equity line of credit with a professional appraisal.
Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for accuracy?
LRS & Associates offers field reviews where we go out and check the subject and comps in question.
If you need it in a rush, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.
We can also provide a retrospective review of any appraisal report you may have in your possession.
Even though most appraisal reviews are requested by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.
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