Appraisal services for Clermont and Lake County homeowners

See the top seven reasons why FL homeowners need Larry Joe Spann:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut their mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a FL divorce, where property needs to be divided
  7. Settle an estate in FL by determining the true market value of real estate in question

Own a house in or near Clermont, FL and need help deciding the price of it?
Contact Larry Joe Spann.

We at Larry Joe Spann understand the particular needs of a customer after appraisal services. Our typical business clients are used to the appraisal process and the usual reporting formats. Being a regular person not in the real estate industry that ordinarily doesn't look at appraisals on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Larry Joe Spann, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. At Larry Joe Spann, we're seasoned in helping consumers just like you do away with unnecessary PMI insurance.

Challenge Lake county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that's going down. This only means you are paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Larry Joe Spann is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your house is in a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Larry Joe Spann can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for accuracy or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Larry Joe Spann offers field reviews where we go out and check the subject and comps. Or, if you need it ASAP, 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 report? Larry Joe Spann can help you with that. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.