Attention homeowners in Gulf Breeze and Santa Rosa County: Get an Appraisal today!

See the top 7 reasons why Florida homeowners call on Di Cicco & Associates:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. To challenge a Florida property tax assessment
  3. To reduce a mortgage payments by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a Florida divorce, when real estate needs to be divided
  7. Settle an estate in Florida by determining the true market value of property in question

Need help deciding the price of your house in or near Gulf Breeze, Florida?
Contact Di Cicco & Associates.

We at Di Cicco & Associates understand the special 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 extra 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 house because you probably have an emotional attachment to 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. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value judgement than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Di Cicco & Associates, we're veterans in helping customers just like you dismiss unwanted PMI insurance.

Challenging Santa Rosa county's assessment of your property

Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. Getting a professional appraisal from Di Cicco & Associates is your best weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is in a declining area, your lender may choose 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 inconvenient from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Di Cicco & Associates can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for efficiency, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. If you're in a hurry, we'll 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? Di Cicco & Associates can help you with that. While typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your property.