Real estate appraisal services for homeowners in the city of Lake City and Columbia County

Check out the top 7 reasons FL homeowners hire Nancy Gomez:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
Remove PMI to reduce their mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in FL

Do you own a house in or near Lake City? Do you need help determining the price of your real estate?
Contact Nancy Gomez.

At Nancy Gomez, we understand the special needs of a homeowner seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a homeowner that probably doesn't look at appraisals on a regular basis,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Nancy Gomez are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value judgement than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. We're experts in helping folks just like you delete unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close to yours. This means you are paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Nancy Gomez is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be inopportune from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Nancy Gomez can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comps. Or, if you're in a hurry, 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 you with that While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.