Need an appraisal in Jacksonville or San Francisco County?

The top seven reasons why FL homeowners need Michael S. Yeargin, SRA:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a FL property tax assessment
  3. To cut a mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a FL divorce, when real estate property needs to be divided
  7. To settle an estate in FL by determining the true market value of property in question

Need help deciding the price of your home in or near Jacksonville, FL?
Contact Michael S. Yeargin, SRA.

At Michael S. Yeargin, SRA, we understand the special needs of a consumer seeking appraisal services. Our usual business clients understand the appraisal process and the usual reporting formats. Being a person not in the real estate business that most likely doesn't see an appraisal on a regular basis,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

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

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 Michael S. Yeargin, SRA 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 property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Michael S. Yeargin, SRA is experienced in helping clients just like you get rid of unneeded and unwanted PMI insurance.

Challenging San Francisco county's assessment of your property

Lets say you live in an area that is going down -- your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. Getting an appraisal report from Michael S. Yeargin, SRA is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Michael S. Yeargin, SRA can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

We Offer 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 desire an expert to double-check your appraisal for accuracy? Michael S. Yeargin, SRA offers field reviews where we'll go out and check the subject and comps. If you're in a hurry, 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 report you may have in your possession. Even though this is usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.