Need an appraisal in Clearwater or Pinellas County?

Here are the top seven reasons FL homeowners call on Klos Home Appraisal:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to cut your mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a FL divorce, when real estate property needs to be divided
  7. To settle an estate in Pinellas county or FL by determining the true market value of property in question

Need help determining the value of your home in or near Clearwater, FL?
Contact Klos Home Appraisal.

At Klos Home Appraisal, we understand the individual needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Klos Home Appraisal, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value opinion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver for homeowners. Once your mortgage loan is below 80% of the value of your home, 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. Klos Home Appraisal is qualified in helping homeowners just like you delete unwanted PMI insurance.

Challenge property tax assessments

Lets say you live in a region that's declining -- your local tax assessor may have your home overvalued. 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 things like this, the better off you'll be. An appraisal report from Klos Home Appraisal is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. 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. An efficient appraisal from Klos Home Appraisal can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would prefer to have an expert double-check it for verity or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Klos Home Appraisal offers field reviews where we go out and check the subject and comparables. Or, if you're in a rush, 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? Klos Home Appraisal can help with that too. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.