We have a staff of Residential Real Estate Appraisers specializing in Pinellas, Hillsborough, Pasco and Hernando counties. FHA approved appraiser. Our services include appraisal reviews. We also do divorce appraisals. David Miller Realty Appraisal Services is your source for attaining professional and accurate valuations for residential properties. We are appraisers of single-family homes, condominiums, town homes, vacant residential sites and multi-family properties up to four units. Our clients include banks, individuals buying property, mortgage companies, attorneys, Realtors and home owners. Our primary focus is to provide excellent work and short turn-around times. The lenders, investors and underwriters you work with will be thankful that you have chosen an appraisal firm that provides accurate and high quality reports. If you want professional appraisal reports that are completed on time and great customer service, call us today, fax your request to 727/344-3222 or Click here to order an appraisal.
TestimonialsMr. David Miller is in good standing with First National Bank of America and has completed several Appraisals and Broker Price Opinions for our company. He has been prompt and easy to work with. I would recommend him to any company wishing to have an accurate and timely product. Sincerely,
Stephanie Spindler
Bank Appraisal Specialist
First National Bank of America David:
Just a quick note to let you know how happy I was with your
work on the Watson home. Your price was better than most,
the client was very comfortable with you, we got a decent
value for the property because you took the time to comp
it out properly, and we got it back in a couple of days.
Thanks again for a job well done.
Skip Martin
America's Mortgage Leader David, I just wanted to thank you for the appraisal that you did for us. Your turnaround time helped us secure funding and close ahead of schedule. You were very accessible and able to provide us with the additional comparable that the lender required. We have retained your information and look forward to using your company in the future! Thank you Andy Cornelius Mortgage Advisor Blackhorse Financial Group David! Thank you again for all your help and for the level of service you provide! Monica Del 1st Continental Mortgage ------------------------------------------------------------------------------------------------------------ Settling an estate will often times involve Real Estate and the big question is - What is the Real Estate worth? Administers of estates, attorneys, accountants, beneficiaries, as well as other entities and individuals rely on the services of local, Professional, State-Certified Real Estate Appraisers to provide an opinion of value. Often times this value is to be as of the date of death which would require the appraiser to be versed on the requirements of performing a Retrospective Appraisal. This type of appraisal has an effective date of the appraisal prior to the current date as well as prior to the date of the report. An appraisal report should also meet the requirements of the Uniform Standards of Professional Appraisal Practice (USPSP). Having a professional appraisal report performed by a local State-Certified Real Estate Appraiser that is familiar with the area and that meets the requirements of the Uniform Standards of Professional Appraisal Practice gives the administer/executor a credible value to present to all parties involved. --------------------------------------------------------------------------------- PMI Removal Appraisals What is PMI? How do I know if I am paying PMI? It should be noted in your monthly mortgage statement. If not you should contact your lender or mortgage servicer. Can I have PMI removed? In many cases the answer is yes. Once you determine that you are paying PMI you must contact your lender and inquire as to what requirements are needed to remove PMI. Generally what is needed is for your home to be valued at more than 80% of the loan amount. Different lenders have different guidelines or requirements for PMI removal. Some require good payment history. How do I know if my home is worth more than 80% of the loan amount? How much will I save? Once you determine the amount of your monthly PMI payment multiply it by how many payments you have left to find out how much you will pay over the remaining life of the loan. Compare this total amount with the one time cost of an appraisal. The savings from having PMI removed will most likely pay for the cost of an appraisal many times over and save you thousands of dollars. The lender generally requires that an appraisal be performed by a local State-Certified Real Estate Appraiser. It is important that you contact your lender before having an appraisal performed since some lenders have a list of appraisers that are approved by their company. Generally the lender will allow the home owner to choose an appraiser. It is important that you select an experienced appraiser that works in and is familiar with your area and that has a State Certification. Private Mortgage Insurance or PMI is an insurance policy for the lender. It is additional money built in to a borrower’s monthly mortgage payment which insures the lender against loss if the borrower defaults on the mortgage loan. It is generally required by a lender if a borrower makes a down payment of less than 20% when they purchase their home. This additional money paid each month can add up to thousands of dollars over the course of the loan. Probate is the process of establishing the validity of a will and often involves appointing a personal representative. Probate is basically a court-supervised transfer of title of an asset. Probate is used to assign assets, pay debts and expenses, and then to distribute the estate to heirs and beneficiaries. Typically there are a number of parties interested in the disposition of the estate. Commonly these are family members, the surviving spouse, beneficiaries, creditors and the personal representative, also referred to as the administrator or executor for the estate.
Real Estate Appraisals for Probate and Estate Settlement |