Attention homeowners in Lake City and Columbia County: Need an appraisal?

The top seven reasons FL homeowners use River Bend Appraisals, Inc:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Columbia county's assessment of your propertyvalue
Remove PMI to cut your mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
To 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

Own a home in or near Lake City, FL and need help determining the value of it?
Contact River Bend Appraisals, Inc.

We at River Bend Appraisals, Inc understand the individual needs of a customer in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at River Bend Appraisals, Inc, 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 home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your home is worth. Potential 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.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan. River Bend Appraisals, Inc is qualified in helping consumers just like you do away with unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close by. That only means you are probably paying more taxes than you should. 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 appraisal report from River Bend Appraisals, Inc is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. River Bend Appraisals, Inc can provide you with a professional appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would wish to have a veteran appraiser double-check it for verity or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? River Bend Appraisals, Inc offers field reviews where we'll go out and check the subject and comps. If you need it immediately, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can help you with that Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.