Real estate appraisal services for homeowners in the city of Dunnellon and Marion County

The top 7 reasons FL homeowners use Virtuous Valuations:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To reduce your mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
To settle an estate in Marion county or FL by determining the true market value of real estate in question

Need help determining the price of your home in or near Dunnellon, FL?
Contact Virtuous Valuations.

We at Virtuous Valuations 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.

For Sale By Owner/Pre-Listing Services

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

Need to cancel PMI?

A popular way to cut expenses for homeowners is getting the PMI canceled 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 amount is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. At Virtuous Valuations, we're qualified in helping folks just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge Tax Assessment

If you live in a local area that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. 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 from Virtuous Valuations is your #1 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 may just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be difficult from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Virtuous Valuations can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables 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.

Need a retrospective review of an appraisal? We can We can assist you Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.