Attention homeowners: Real estate appraisal services for in Miami Lakes and Miami-Dade County

See the top seven reasons why Florida homeowners hire Ralph Martin & Associates, Inc.:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to reduce a mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a divorce in the state of Florida, when real estate needs to be divided
To determine the true market value of real estate to settle an estate in Florida


	Need help deciding the value of your home in or near Miami Lakes, Florida? Contact Ralph Martin & Associates, Inc..

We at Ralph Martin & Associates, Inc. understand the special needs of a homeowner after appraisal services. While our usual 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.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract 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 you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.

Challenge Miami-Dade County's assessment of your property

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other homes nearby. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Ralph Martin & Associates, Inc. is your chief weapon.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. At Ralph Martin & Associates, Inc., we're experienced in helping customers just like you delete unneeded PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be annoying from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Ralph Martin & Associates, Inc. can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for precision, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Ralph Martin & Associates, Inc. offers field reviews where we'll go out and check the subject and comparables. Or, if you're 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 a retrospective review of any appraisal you may have had done before. Even though most appraisal reviews are requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.