Attention homeowners in Tarpon Springs and Pinellas County: Need an appraisal?

Here are the top seven reasons why FL homeowners order from Michael L. Couch:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
To challenge a FL property tax assessment
To cut your mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
To settle an estate in FL by determining the true market value of real estate in question

Do you own a house in or near Tarpon Springs? Do you need help deciding the price of your real estate?
Contact Michael L. Couch.

At Michael L. Couch, we understand the individual needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 price to sell at so your property will attract many interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Michael L. Couch is seasoned in helping clients just like you dismiss unnecessary PMI insurance.

Challenge property tax assessments

If you live in a region that is going down or not appreciating as much as other properties close by, your local tax assessor may have your home overvalued. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An expert appraisal from Michael L. Couch is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your house is near a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Michael L. Couch can help you reinstate your home equity line of credit with an expert appraisal.

We Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would wish to have a veteran appraiser double-check it for verity or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Michael L. Couch offers field reviews where we'll go out and check the subject and comparables in question. Or, if you need it ASAP, 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.

We can also provide you with a a retrospective review of any appraisal report you may have had done before. Even though this is typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.