Attention homeowners: Residential real estate appraisal services for in Tampa Bay, FL.

Check out the top seven reasons why Florida homeowners use Skelton & Associates, Inc.:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge the county's assessment of your property
To cut your mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate
Need help deciding the value of your home in or near Tampa Bay, Florida?

At Skelton & Associates, Inc., we understand the unique needs of a consumer looking for appraisal services. While our usual business 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.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Skelton & Associates, Inc. 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 home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value opinion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experienced in helping consumers just like you remove unwanted and unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other homes nearby. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An appraisal report from Skelton & Associates, Inc. is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be inopportune from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Skelton & Associates, Inc. can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would like to have a seasoned appraiser double-check it for accuracy or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you need it in a rush, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can We can assist you Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.