Real estate appraisal services for homeowners in the city of Jacksonville and Duval County

See the top 7 reasons why FL homeowners hire Jorge L Hernandez:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge Duval county's assessment of your propertyvalue
  3. Remove PMI to lower a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate in Duval county or FL

Own a house in or near Jacksonville, FL and need help deciding the price of it?
Contact Jorge L Hernandez.

At Jorge L Hernandez, we understand the special needs of a customer seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a consumer that probably doesn't see an appraisal every day,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

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

It's very hard to be objective about your house 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. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value opinion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Jorge L Hernandez, we're experts in helping clients just like you delete unwanted PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Jorge L Hernandez is your strongest weapon.

HELOC recently frozen?

Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Jorge L Hernandez can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for accuracy? Jorge L Hernandez offers field reviews where we go out and check the subject and comparables in question. Or, if you need it ASAP, 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.

Do you need a retrospective review of an appraisal? Jorge L Hernandez can help you with that. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.