Real estate appraisal services for homeowners in the city of Bay harbor Is. and Miami-Dade County

Here are the top 7 reasons FL homeowners need Susana Totaro:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To cut a monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a FL divorce, where property needs to be divided
Settle an estate in FL by determining the true market value of property in question

Do you own a home in or near Bay harbor Is.? Do you need help determining the value of your real estate?
Contact Susana Totaro.

We at Susana Totaro understand the unique needs of a customer seeking appraisal services. Our typical business clients understand the appraisal process and the standard reporting formats. As our client, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Susana Totaro, will be 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 selling price so your property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your property, 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. At Susana Totaro, we're veterans in helping people just like you delete unwanted PMI insurance.

Challenge Miami-Dade county's assessment of your property

Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. This only means you are going to pay 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 things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Susana Totaro is your perfect weapon.

Was your HELOC recently frozen?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Susana Totaro can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for preciseness or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? Susana Totaro offers field reviews where we'll go out and check the subject and comparables. If you need it in a rush, 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? We can We can assist you Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.