Need an appraisal in Palmetto or Manatee County?

The top 7 reasons why FL homeowners call on Gerard Michael Hayes, LLC:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
To reduce your monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a FL divorce, where real estate needs to be divided
Determine the true market value of property in question to settle an estate in Manatee county or FL

Do you own a house in or near Palmetto? Do you need help determining the value of your real estate?
Contact Gerard Michael Hayes, LLC.

At Gerard Michael Hayes, LLC, we understand the special needs of a homeowner in need of appraisal services. Our usual business clients understand the appraisal process and the customary "products" we deliver to them. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Gerard Michael Hayes, LLC are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 canceled from your loan, which will make your monthly payments go down. We are experienced in helping homeowners just like you abolish unnecessary PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that's declining or is not appreciating as much as other homes close to yours. That means you're paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Gerard Michael Hayes, LLC is your best weapon.

HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Gerard Michael Hayes, LLC can provide you with an expert appraisal to help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd like to have a professional double-check it for precision or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Gerard Michael Hayes, LLC offers field reviews where we'll go out and check the subject and comparables in question. If you're in a hurry, 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 report? We can help you with that Even though this is usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.