Appraisal services for Tampa and Hillsborough County homeowners

Here are the top 7 reasons why FL homeowners need Lozano Appraisal Service, Inc.:

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

Own a house in or near Tampa, FL and need help determining the price of it?
Contact Lozano Appraisal Service, Inc..

We at Lozano Appraisal Service, Inc. understand the individual needs of a customer seeking appraisal services. Our usual business clients understand the appraisal process and the customary documents we provide. Being a regular homeowner that probably doesn't see an appraisal every day,we will give you extra guidance and explanations through the appraisal process to better 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 house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount 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. At Lozano Appraisal Service, Inc., we're veterans in helping people just like you abolish unwanted and unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. That only means you are probably paying more taxes than you should. The quicker 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 Lozano Appraisal Service, Inc. is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be unsuitable from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Lozano Appraisal Service, Inc. can provide you with efficient appraisal that will help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for efficiency or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you're in a rush, we'll 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 report? Lozano Appraisal Service, Inc. can We can assist you. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.