Real estate appraisal services for homeowners in the city of Fernandina Beach and Nassau County

See the top reasons FL homeowners use Spencer Kelly Services, Inc dba Kelly Appraisal Services:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To lower a mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a FL divorce, where real estate property needs to be divided
  7. Settle an estate in FL by determining the true market value of property in question

Need help deciding the price of your house in or near Fernandina Beach, FL?
Contact Spencer Kelly Services, Inc dba Kelly Appraisal Services.

We at Spencer Kelly Services, Inc dba Kelly Appraisal Services understand the individual needs of a homeowner seeking appraisal services. Our regular business clients are used to the appraisal process and the standard "products" we deliver to them. Being a person not in the real estate field that ordinarily doesn't see an appraisal on a regular basis,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

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

It's very hard to be objective about your home because of your emotional attachment to it. Our professional appraisers at Spencer Kelly Services, Inc dba Kelly Appraisal Services 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 buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver 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. Spencer Kelly Services, Inc dba Kelly Appraisal Services is veterans in helping people just like you rid yourselves of unneeded PMI insurance.

Challenge Nassau county's assessment of your property

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close by. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting a professional appraisal from Spencer Kelly Services, Inc dba Kelly Appraisal Services is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Spencer Kelly Services, Inc dba Kelly Appraisal Services can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for precision? An appraiser from Spencer Kelly Services, Inc dba Kelly Appraisal Services can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can 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? Spencer Kelly Services, Inc dba Kelly Appraisal Services can help with that too. Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.