Appraisal services for Lake City and Columbia County homeowners

See the top 7 reasons why Florida homeowners call on Christopher Mirra:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Columbia County's assessment of your property
To reduce a mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of real estate to settle an estate in Columbia County or the state of Florida


	Own a house in or near Lake City, Florida and need help determining the value of it? Contact Christopher Mirra.

We at Christopher Mirra understand the unique needs of a customer seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. But as a general consumer, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

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

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Christopher Mirra, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think 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 qualified appraiser's value report than yours.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining. That only means you are paying more taxes than you should. The faster 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. When challenging your property tax assessment, getting an appraisal from Christopher Mirra is your chief weapon.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Christopher Mirra, we're seasoned in helping homeowners just like you get rid of unnecessary PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. A professional appraisal from Christopher Mirra can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for precision? We can go out and check the subject and comparables in a field review. If you need it 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.

We can also provide a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.