Need an appraisal in Pace or Santa Rosa County?

Check out the top reasons FL homeowners hire Kim Stinson, Appraiser:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce their monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Do you own a house in or near Pace? Do you need help deciding the price of your real estate?
Contact Kim Stinson, Appraiser.

At Kim Stinson, Appraiser, we understand the unique needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Kim Stinson, Appraiser are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan is less than 80% of the value of your home, 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. Kim Stinson, Appraiser is seasoned in helping customers just like you delete unneeded PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. 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. When contesting your property tax assessment, getting an appraisal report from Kim Stinson, Appraiser is your best weapon.

HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Kim Stinson, Appraiser can help you reinstate your HELOC.

We 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? We can go out and check the subject and comps in a field review. Or, if you need it immediately, we can 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 help with that too. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.