Attention homeowners in Pensacola and Escambia County: Get an Appraisal today!

Here are the top seven reasons FL homeowners hire Joyce Evans:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to reduce their mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Need help determining the price of your home in or near Pensacola, FL?
Contact Joyce Evans.

At Joyce Evans, we understand the particular needs of a consumer seeking appraisal services. Our regular business clients are used to the appraisal process and the customary "products" we deliver to them. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Joyce Evans 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 price to sell at so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, 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 a qualified appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Joyce Evans is experts in helping clients just like you abolish unnecessary PMI insurance.

Challenge a property tax assessment

Lets say you live in a region that is going down -- your local tax assessor may have your house overvalued. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. Getting an expert appraisal from Joyce Evans is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Joyce Evans can provide you with a professional appraisal to help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for verity, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. If you need it immediately, we'll provide 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? Joyce Evans can help you with that. Even though this is typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.