Attention homeowners in Orlando and Orange County: Need an appraisal?

Here are the top seven reasons why FL homeowners use Richard Ratkai:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge Orange county's assessment of your property
Remove PMI to lower a mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a FL divorce, where property needs to be divided
To settle an estate in Orange county or FL by determining the true market value of property in question

Own a home in or near Orlando, FL and need help deciding the price of it?
Contact Richard Ratkai.

At Richard Ratkai, we understand the special needs of a customer after appraisal services. Our customary business clients are used to the appraisal process and the usual documents we provide. As our non-traditionalclient, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Richard Ratkai are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. Richard Ratkai is seasoned in helping people just like you dismiss unwanted and unneeded PMI insurance.

Challenge property tax assessments

If you live in a region that is going down or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Richard Ratkai is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. Richard Ratkai can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Richard Ratkai offers field reviews where we 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? Richard Ratkai can help with that too. Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.