Need an appraisal in Jacksonville or Duval County?

See the top 7 reasons why FL homeowners use Raiford & Associates, Inc.:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut a mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in Duval County or the state of FL

Do you own a home in or near Jacksonville? Do you need help determining the value of your real estate?
Contact Raiford & Associates, Inc..

At Raiford & Associates, Inc., we understand the particular needs of a consumer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Raiford & Associates, Inc., will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Appraisals to remove PMI

A popular way to cut costs for homeowners is to get the PMI eliminated 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 house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're veterans in helping homeowners just like you get rid of unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other homes nearby. This means you're most likely paying higher taxes than you should be paying. 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. When contesting your property tax assessment, getting an appraisal report from Raiford & Associates, Inc. is your best weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow point of view. Raiford & Associates, Inc. can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. 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.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.