Need an appraisal in Destin or Okaloosa County?

Check out the top 7 reasons why FL homeowners need Andrew Small:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To lower their mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To settle an estate in Okaloosa county or FL by determining the true market value of property in question

Own a home in or near Destin, FL and need help deciding the value of it?
Contact Andrew Small.

At Andrew Small, we understand the special needs of a customer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Andrew Small 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 selling price so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value estimation than yours.

Appraisals to cancel PMI

A fashionable way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping homeowners just like you abolish unneeded PMI insurance.

Challenge a property tax assessment

If you live in a region that is declining or not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. An appraisal from Andrew Small is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be inopportune from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Andrew Small can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd wish to have a seasoned expert double-check it for precision or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Andrew Small can go out and check the subject and comps in a field review. If you need it immediately, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.