Need an appraisal in Fort Walton, or Okaloosa, Santa Rosa, or Walton County?

Here are the top 7 reasons why Florida homeowners hire Timothy Allaire:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut their monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. In the case of a divorce in the state of Florida, when real estate needs to be divided
  7. To determine the true market value of real estate to settle an estate in Okaloosa County or the state of Florida
Do you own a home in or near Fort Walton Beach? Do you need help deciding the price of your real estate? Contact Timothy Allaire.

At Timothy Allaire, we understand the particular needs of a homeowner in need of appraisal services. Our customary business clients get the appraisal process and the usual "products" we deliver to them. As our client, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

For Sale by Owner/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Timothy Allaire will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value report than yours.

Challenge property tax assessments

If you live in a region that is declining or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Timothy Allaire is your best weapon when challenging your property tax assessment.

PMI Removal Appraisals

A fashionable way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. Timothy Allaire is experienced in helping consumers just like you dismiss unnecessary PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be annoying from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Timothy Allaire can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for verity? Timothy Allaire offers field reviews where we go out and check the subject and comps in question. If you're in a rush, 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? We can help with that too. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.