Attention homeowners in Florence and Florence County: Get an Appraisal today!

Here are the top seven reasons South Carolina homeowners need Florence Appraisal, Inc.:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
To cut your mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in Florence county or South Carolina by determining the true market value of the real estate in question


	Do you own a house in or near Florence? Do you need help determining the value of your real estate? Contact Florence Appraisal, Inc..

We at Florence Appraisal, Inc. understand the particular needs of a customer looking for appraisal services. While our typical business 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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.

Challenge Florence County's assessment of your property

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close to yours. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from Florence Appraisal, Inc. is your chief weapon.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. At Florence Appraisal, Inc., we're veterans in helping people just like you rid themselves of unnecessary PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. An expert appraisal from Florence Appraisal, Inc. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would like to have a professional double-check it for preciseness or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. 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 in your possession. Even though most review work is requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are wise to get a second opinion.