Real estate appraisal services for homeowners in the city of Winter Garden and Orange County

Check out the top seven reasons why FL homeowners use Thomas Pickard:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a FL property tax assessment
Remove PMI to cut their mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in FL

Own a home in or near Winter Garden, FL and need help deciding the price of it?
Contact Thomas Pickard.

We at Thomas Pickard understand the particular needs of a consumer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. Being a consumer that ordinarily doesn't look at appraisals every day,we'll be sure you get 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Thomas Pickard, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive money saver for homeowners. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experts in helping clients just like you delete unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. The sooner 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. Getting an appraisal from Thomas Pickard is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. Not only can this be inconvenient from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An appraisal from Thomas Pickard can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for accuracy? We can go out and check the subject and comps in question in a field review. Or, if you need it immediately, 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 in the past. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.