Need an appraisal in Spring Hill or Pasco County?

Here are the top 7 reasons why FL homeowners order from Sara Modock:

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

Do you own a home in or near Spring Hill? Do you need help determining the value of your real estate?
Contact Sara Modock.

At Sara Modock, we understand the unique needs of a homeowner looking for appraisal services. Our usual business clients get the appraisal process and the standard "products" we deliver to them. As our client, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

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. The professional appraisers at Sara Modock will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Need to cancel PMI?

A popular money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Sara Modock, we're seasoned in helping clients just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if your home not appreciating as much as other houses nearby. This means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting a professional appraisal from Sara Modock is your strongest weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. An efficient appraisal from Sara Modock can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for precision? Sara Modock offers field reviews where we'll go out and check the subject and comparables in question. 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.

Do you need a retrospective review of an appraisal? Sara Modock can help you with that. Even though this is typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your property.