Attention homeowners in Dade City and Pasco County: Need an appraisal?

The top seven reasons FL homeowners hire M David Summers PA:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Pasco county's assessment of your propertyworth
  3. To lower your monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a FL divorce, where real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate

Do you own a home in or near Dade City? Do you need help deciding the price of your real estate?
Contact M David Summers PA.

We at M David Summers PA understand the particular needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. As our client, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at M David Summers PA are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.

PMI Removal Appraisals

A fashionable money saver 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". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're experienced in helping consumers just like you abolish unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. This means you're going to pay 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. A professional appraisal from M David Summers PA 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 may just decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can this be disadvantageous from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from M David Summers PA can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would like to have a professional double-check it for precision or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from M David Summers PA can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, 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? We can help with that too. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.