Appraisal services for Bradenton and Manatee County homeowners

The top seven reasons Florida homeowners call on S&N Appraisal, Inc:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
To cut your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a divorce in the state of Florida, where property needs to be divided
To settle an estate in Florida by determining the true market value of the property in question


	Do you own a home in or near Bradenton? Do you need help determining the price of your real estate? Contact S&N Appraisal, Inc.

At S&N Appraisal, Inc, we understand the special needs of a homeowner looking for appraisal services. Our usual business clients are used to the appraisal process and the usual documents we provide. As our non-traditional client, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

For Sale by Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at S&N Appraisal, 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 selling price so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something tangible 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. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

Challenging Manatee County's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is going down. That only means you are probably paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from S&N Appraisal, Inc is your #1 weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. S&N Appraisal, Inc is seasoned in helping consumers just like you dismiss unneeded PMI insurance.

HELOC recently frozen?

If your home is close to a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. S&N Appraisal, Inc can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for verity, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it in a rush, we'll provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had done before. Although most review work is commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.