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

Check out the top seven reasons FL homeowners need Jose Gandia:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower their mortgage payments
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in FL by determining the true market value of real estate in question

Own a home in or near Winter Park, FL and need help deciding the value of it?
Contact Jose Gandia.

At Jose Gandia, we understand the individual needs of a customer seeking 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 house, it's often very hard to be objective about it. Professional appraisers, like the ones at Jose Gandia, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Jose Gandia, we're experts in helping people just like you do away with unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes nearby. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an expert appraisal from Jose Gandia is your chief weapon.

Was your HELOC recently frozen?

If your house is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An appraisal from Jose Gandia can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would prefer to have a seasoned professional double-check it for accuracy or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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.

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