Attention homeowners: Real estate appraisal services for in St Augustine and Saint Johns County

Here are the top 7 reasons FL homeowners hire AOH Appraisals:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
Remove PMI to reduce a mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a FL divorce, when property needs to be divided
To settle an estate in FL by determining the true market value of property in question

Need help determining the price of your house in or near St Augustine, FL?
Contact AOH Appraisals.

At AOH Appraisals, we understand the particular needs of a customer seeking appraisal services. Our usual business clients understand the appraisal process and the usual "products" we deliver to them. Being a regular homeowner that ordinarily doesn't see an appraisal every day,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own 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 a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value judgement than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down 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, which will make your monthly payments go down. We're experts in helping people just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge property tax assessments

If you live in an area that is declining or is not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from AOH Appraisals is your #1 weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be inconvenient from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. AOH Appraisals can help you reinstate your HELOC.

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 desire a veteran appraiser to double-check your appraisal for precision? An appraiser from AOH Appraisals can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can provide 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 in the past. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.