Attention homeowners: Real estate appraisal services for in Tampa and Hillsborough County

Check out the top reasons FL homeowners call on Ray Hall Appraisals:

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
To reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a FL divorce, where real estate needs to be divided
Settle an estate in FL by determining the true market value of property in question

Own a house in or near Tampa, FL and need help deciding the price of it?
Contact Ray Hall Appraisals.

At Ray Hall Appraisals, we understand the individual needs of a customer in need of appraisal services. Our usual business clients understand the appraisal process and the customary documents we provide. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is 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, which will make your monthly payments go down. We're experienced in helping consumers just like you dismiss unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say you live in an area that's declining -- your local tax assessor may have your house overvalued. This only means you are 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 a matter like this, the better off you'll be. An appraisal from Ray Hall Appraisals is your best 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 decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be inopportune from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Ray Hall Appraisals can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comps in question. If you need it ASAP, we'll provide 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 typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.