Real estate appraisal services for homeowners in the city of Gulf Breeze and Santa Rosa County

The top seven reasons Florida homeowners need Di Cicco & Associates:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a Florida property tax assessment
  3. Remove PMI to reduce your monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a Florida divorce, where real estate needs to be divided
  7. Settle an estate in Florida by determining the true market value of property in question

Own a home in or near Gulf Breeze, Florida and need help deciding the price of it?
Contact Di Cicco & Associates.

At Di Cicco & Associates, we understand the special needs of a customer looking for 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.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Di Cicco & Associates, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think 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 a professional appraiser's value report than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. 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 canceled from your loan, which will make your monthly payments go down. Di Cicco & Associates is experienced in helping people just like you rid yourselves of unwanted PMI insurance.

Challenge a property tax assessment

Lets say you live in a region that's going down -- your local tax assessor may have your house overvalued. This only means you're going to pay 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. An appraisal report from Di Cicco & Associates is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be annoying from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Di Cicco & Associates can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for accuracy, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, 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.

Need a retrospective review of an appraisal? We can help you with that While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.