Real estate appraisal services for homeowners in the city of Temple Terrace and Hillsborough County

The top 7 reasons FL homeowners need Tracy Smith:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Hillsborough county's assessment of your propertyvalue
Remove PMI to reduce their mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a FL divorce, where property needs to be divided
To settle an estate in Hillsborough county or FL by determining the true market value of property in question

Do you own a home in or near Temple Terrace? Do you need help determining the price of your real estate?
Contact Tracy Smith.

At Tracy Smith, we understand the special needs of a consumer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and accountants. As our client, you will receive 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 home, it's often very hard to be objective about it. The professional appraisers at Tracy Smith will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan is down below 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 Tracy Smith, we're veterans in helping consumers just like you delete unneeded PMI insurance.

Challenging Hillsborough county's assessment of your property

Your local tax assessor may have your home overvalued if your home not appreciating as much as other homes nearby. That means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. An appraisal from Tracy Smith is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An appraisal from Tracy Smith can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would wish to have a veteran appraiser double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it ASAP, 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.

We can also provide you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.