Attention homeowners in Oviedo and Seminole County: Need an appraisal?

Here are the top seven reasons why FL homeowners use Albert Giammattei:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower your monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in FL

Need help deciding the value of your home in or near Oviedo, FL?
Contact Albert Giammattei.

We at Albert Giammattei understand the special needs of a homeowner in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. But as a general consumer,you will receive 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 Albert Giammattei, will be objective. We will 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 many interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It gives you something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to cancel PMI

A popular way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We're experienced in helping people just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that is going down or not appreciating as much as other houses close by. This means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from Albert Giammattei is your strongest weapon.

HELOC recently frozen?

If your property is in a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An appraisal from Albert Giammattei can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for verity, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Albert Giammattei can go out and check the subject and comparables in question in a field review. If you're 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.

Do you need a retrospective review of an appraisal? Albert Giammattei can help you with that. Even though this is typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.