Attention homeowners in Brandon and Hillsborough County: Need an appraisal?

Check out the top 7 reasons why FL homeowners call on Robert H Horner:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to cut their mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
Settle an estate in FL by determining the true market value of real estate in question

Own a home in or near Brandon, FL and need help deciding the value of it?
Contact Robert H Horner.

We at Robert H Horner understand the particular needs of a consumer seeking appraisal services. While our typical business 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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Robert H Horner, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract buyers. 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 you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Need to cancel PMI?

An attractive 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". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We are experienced in helping customers just like you do away with unneeded PMI insurance.

Challenge property tax assessments

If you live in a region that is declining or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from Robert H Horner is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be inconvenient from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Robert H Horner can provide you with an expert appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for verity? In a field review we'll go out and check the subject and comparables in question. Or, if you need it immediately, 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.