Need an appraisal in Niceville or Okaloosa County?

Check out the top reasons FL homeowners use Kelly Appraisal Firm, LLC:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To cut their mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a FL divorce, when real estate needs to be divided
Settle an estate in FL by determining the true market value of property in question

Do you own a house in or near Niceville? Do you need help determining the value of your real estate?
Contact Kelly Appraisal Firm, LLC.

We at Kelly Appraisal Firm, LLC understand the individual needs of a customer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. Being a regular consumer that ordinarily doesn't look at appraisals every day,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Kelly Appraisal Firm, LLC will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value report than yours.

Need to remove PMI?

A popular way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. We're qualified in helping customers just like you rid themselves of unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if your home not appreciating as much as other properties close by. This 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 faster you take care of a matter like this, the better. When challenging your property tax assessment, getting an appraisal report from Kelly Appraisal Firm, LLC is your #1 weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be difficult from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Kelly Appraisal Firm, LLC can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for efficiency, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Kelly Appraisal Firm, LLC can go out and check the subject and comparables in question 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 report? Kelly Appraisal Firm, LLC can help you with that. Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.