Attention homeowners in Gulf Breeze and Santa Rosa County: Get an Appraisal today!

The top seven reasons why Florida homeowners order from Montgomery & Associates of NW FL, Inc.:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce their mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a divorce in the state of Florida, where real estate needs to be divided
  7. Settle an estate in Florida by determining the true market value of a property
Need help deciding the price of your home in or near Gulf Breeze, Florida? Contact Montgomery & Associates of NW FL, Inc..

We at Montgomery & Associates of NW FL, Inc. understand the special needs of a homeowner in need of appraisal services. Our typical business clients understand the appraisal process and the customary "products" we deliver to them. Being a regular consumer that ordinarily doesn't look at appraisals every day, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at Montgomery & Associates of NW FL, Inc. 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 price to sell at so your property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value report than yours.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that's going down or is not appreciating as much as other properties close to yours. This means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an appraisal from Montgomery & Associates of NW FL, Inc. is your #1 weapon when challenging your property tax assessment.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are seasoned in helping clients just like you abolish unwanted PMI insurance.

HELOC recently frozen?

Your lender may make the decision 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 detrimental to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Montgomery & Associates of NW FL, Inc. can provide you with efficient appraisal to help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're in a rush, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.