Need an appraisal in Dade City or Pasco County?

Here are the top seven reasons why Florida homeowners hire Hughes Pitts and Associates, Inc:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
To challenge a property tax assessment in Florida
Remove PMI to reduce your mortgage payments
To reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a divorce in the state of Florida, where real estate property needs to be divided
Determine the true market value of the real estate in question to settle an estate in Pasco county or Florida


	Own a house in or near Dade City, Florida and need help determining the value of it? Contact Hughes Pitts and Associates, Inc.

We at Hughes Pitts and Associates, Inc understand the individual needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. Being a consumer that probably doesn't see an appraisal every day, we will give you 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)

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Hughes Pitts and Associates, Inc, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's market value, not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value report than yours.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that is declining or not appreciating as much as other homes nearby. That means you are probably paying 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. Getting a professional appraisal from Hughes Pitts and Associates, Inc is your strongest weapon when challenging your property tax assessment.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money 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. We're experts in helping clients just like you get rid of unwanted and unneeded PMI insurance.

Recently got a freeze to your HELOC?

Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Hughes Pitts and Associates, Inc can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables 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.

We can also provide you with a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.