Attention homeowners in NEW ROCHELLE and Westchester County: Need an appraisal?
The top 7 reasons New York homeowners call on B & J APPRAISALS, INC.:
At B & J APPRAISALS, INC., we understand the unique needs of a consumer looking for appraisal services. Our regular business clients understand the appraisal process and the standard documents we provide. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at B & J APPRAISALS, INC. will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Challenging a property tax assessmentYour local tax assessor may have your home overvalued if you live in a region that is going down. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal from B & J APPRAISALS, INC. is your strongest weapon.
Need to cancel PMI?Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount 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. We're seasoned in helping folks just like you abolish unwanted PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be inconvenient from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. B & J APPRAISALS, INC. can provide you with a professional appraisal that will help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Have you just accepted a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for efficiency or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you need it in a rush, we can provide desk review and verify as many facts as we can, using online data sources as well as our own files.
We can also provide a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.