Value-Rite Appraisals Inc

It doesn't matter what type of real estate is in question. Our extensive field work and hours of study as licensed appraisers make us qualified to provide home valuations in Charlotte County for clients ranging from national mortgage companies to local lenders or individual businesses and consumers.

A licensed appraiser from Value-Rite Appraisals, Inc. (941) 276-2917 is your best source of an unbiased opinion of value when your needs include:
   

*Divorce settlements when the value of the shared home is needed
*Expert witness testimony when a reliable local authority on Florida property values is required.
*Determining market value on a home involved in a bankruptcy.
 *Setting a home's listing price whether you're a consumer wanting to do a FSBO or an agent working with a homeowner.
*Unfreezing a locked HELOC (Home Equity Line of Credit)
*Challenging your property's assessed value if you live in an area where house prices have fallen off.
*Loan originators needing an experienced Charlotte County appraiser

*Estate planning

*Review appraisals: Getting a second opinion on a past appraisal.


The top 7 reasons Florida homeowners call on Value-Rite Appraisals Inc:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To cut their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (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 property needs to be divided
  7. To determine the true market value of real estate to settle an estate in Florida


At Value-Rite Appraisals Inc, we understand the particular needs of a consumer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Value-Rite Appraisals Inc will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable 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 many interested buyers. The appraisal is 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 your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Challenge Charlotte County's assessment of your property

Your local tax assessor may have your house overvalued if your home not appreciating as much as other properties nearby. That means you are probably paying more taxes than you should. 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 an expert appraisal from Value-Rite Appraisals Inc is your perfect weapon when contesting your property tax assessment.

Appraisals to remove PMI

A preferred way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Value-Rite Appraisals Inc, we're seasoned in helping customers just like you get rid of unwanted PMI insurance.

Was your HELOC recently frozen?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is near 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 difficult and inconvenient from a cash flow point of view. Value-Rite Appraisals Inc can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for efficiency? Value-Rite Appraisals Inc offers field reviews where we'll go out and check the subject and comps. 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 retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.


Selling your home quickly at the right price with an appraisal from Value-Rite Appraisals Inc

A professional appraisal will help you make a more informed decision regarding your selling price, whether you want to sell your home on your own or with the help of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't contingent upon the value we report, but rather they are calculated on our efforts to complete the appraisal. 

On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to decide what improvements will add value and what a suitable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long homes stay on the market.

Divorce settlement with less stress
A divorce is a particularly heartbreaking experience for the parties involved, and it is often more complicated by the difficult decision of who gets the property. Regardless of the circumstances, it's a good idea to order an appraisal from Value-Rite Appraisals Inc so both parties are fully aware of the true market value of their house.
The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. 


Accurate and fair estate liquidation with Value-Rite Appraisals IncSettling an estate
Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. We ensure the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). 
Most Americans do not have dedicated estate planners or executors to manage these affairs, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.