Real estate appraisal services for homeowners in the city of Tampa and Hillsborough County

Here are the top 7 reasons Florida homeowners hire ECL Appraisals:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
Remove PMI to reduce a mortgage payments
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a divorce in the state of Florida, when real estate property needs to be divided
Determine the true market value of the property in question to settle an estate in Hillsborough county or Florida


	Do you own a house in or near Tampa? Do you need help deciding the value of your real estate? Contact ECL Appraisals.

At ECL Appraisals, we understand the unique needs of a customer in need of appraisal services. While our typical 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.

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

It's very hard to be objective about your home because you most likely have an emotional attachment to 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 a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value assessment than yours.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that's declining or not appreciating as much as other houses close to yours. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting an appraisal report from ECL Appraisals is your chief weapon when contesting your property tax assessment.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. We're seasoned in helping customers just like you abolish undesirable PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be inconvenient from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. ECL Appraisals can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would wish to have a seasoned professional double-check it for accuracy or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it immediately, we can 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 report you may have in your possession. While usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.