Attention homeowners: Real estate appraisal services for in Guaynabo and Guaynabo County

The top 7 reasons PR homeowners use Gonzalez Appraisal Group:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To reduce your mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
Settle an estate in PR by determining the true market value of property in question

Own a home in or near Guaynabo, PR and need help determining the value of it?
Contact Gonzalez Appraisal Group.

At Gonzalez Appraisal Group, we understand the individual needs of a customer after appraisal services. Our regular business clients get the appraisal process and the customary reporting formats. Being a regular homeowner that probably doesn't look at appraisals on a regular basis,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Gonzalez Appraisal Group 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 selling price so your property will attract buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

PMI Removal Appraisals

A preferred 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 is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're experienced in helping homeowners just like you rid themselves of unneeded PMI insurance.

Challenge a property tax assessment

Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. The faster you take care of a matter 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 an appraisal from Gonzalez Appraisal Group is your best weapon.

HELOC recently frozen?

Your lender might make the decision 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 annoying from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Gonzalez Appraisal Group can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for verity, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you're in a rush, 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? Gonzalez Appraisal Group can help with that too. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.