Need an appraisal in Ocala or Marion County?

Check out the top reasons FL homeowners use Gibboney & Associates:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge Marion county's assessment of your propertyworth
Remove PMI to reduce your monthly mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in Marion county or FL

Own a home in or near Ocala, FL and need help deciding the value of it?
Contact Gibboney & Associates.

At Gibboney & Associates, we understand the individual needs of a consumer in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your home 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. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much 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 conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut expenses 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 removed from your loan, which will make your monthly payments go down. Gibboney & Associates is veterans in helping customers just like you dismiss undesirable PMI insurance.

Challenging Marion county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a region that's declining or is not appreciating as much as other homes close to yours. This means you're most likely paying higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Gibboney & Associates is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

If your home is close to a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Gibboney & Associates can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Gibboney & Associates can go out and check the subject and comparables in a field review. If you need it in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? Gibboney & Associates can help with that too. Even though this is usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.