Need an appraisal in Toa Alta or Toa Alta County?

Here are the top seven reasons PR homeowners hire Gilbert Serrano:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Toa Alta county's assessment of your property
  3. To lower their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Toa Alta county or PR by determining the true market value of real estate in question

Own a home in or near Toa Alta, PR and need help deciding the price of it?
Contact Gilbert Serrano.

We at Gilbert Serrano understand the special needs of a homeowner after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a consumer that most likely doesn't look at appraisals every day,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Gilbert Serrano are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. Gilbert Serrano is experienced in helping folks just like you delete unnecessary PMI insurance.

Challenge Toa Alta county's assessment of your property

Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. This means you're 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 contesting your property tax assessment, getting an expert appraisal from Gilbert Serrano is your chief weapon.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Gilbert Serrano can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for accuracy? An appraiser from Gilbert Serrano can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can 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 you with that Even though this is usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.