Real estate appraisal services for homeowners in the city of Tampa and Hillsborough County

Check out the top seven reasons why FL homeowners use Balseiro & Associates:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To cut your monthly mortgage payment by removing PMI
Reinstate your 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
Settle an estate in FL by determining the true market value of property in question

Do you own a home in or near Tampa? Do you need help determining the price of your real estate?
Contact Balseiro & Associates.

We at Balseiro & Associates understand the particular needs of a consumer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a consumer that probably doesn't look at appraisals every day,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Balseiro & Associates will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your house is worth. Potential 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 judgement than yours.

PMI Removal Appraisals

A fashionable way to cut costs 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 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're experienced in helping customers just like you rid themselves of unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from Balseiro & Associates is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be disadvantageous from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Balseiro & Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would prefer to have a seasoned professional double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? Balseiro & Associates offers field reviews where we'll go out and check the subject and comparables in question. Or, if you're in a hurry, 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 report? We can help you with that Even though this is usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.