Need an appraisal in Winter Haven or Polk County?

Check out the top seven reasons Florida homeowners call on Victor G. Simmers, Cert Res RD614:

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


	Need help determining the value of your home in or near Winter Haven, Florida? Contact Victor G. Simmers, Cert Res RD614.

We at Victor G. Simmers, Cert Res RD614 understand the unique needs of a homeowner after appraisal services. Our regular business clients understand the appraisal process and the standard reporting formats. But as a consumer, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

Pre-listing Services/For Sale by Owner (FSBO)

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Victor G. Simmers, Cert Res RD614, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is very important as a 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 house's value, and not just you saying how much you think 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 judgement than yours.

Challenge property tax assessments

If you live in a region that is going down or is not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Victor G. Simmers, Cert Res RD614 is your chief weapon when contesting your property tax assessment.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. Victor G. Simmers, Cert Res RD614 is seasoned in helping people just like you delete undesirable PMI insurance.

Recently got a freeze to your HELOC?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. A professional appraisal from Victor G. Simmers, Cert Res RD614 can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would prefer to have a seasoned expert double-check it for efficiency or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. 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 a retrospective review of any appraisal you may have had done before. Even though most appraisal reviews are requested by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.