Attention homeowners in Georgetown and Fairfield County: Get an Appraisal today!
Here are the top seven reasons Connecticut homeowners need J. Boyles Appraisals, LLC:
At J. Boyles Appraisals, LLC, we understand the particular needs of a consumer in need of appraisal services. While our typical 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 ServicesIt's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's market value, not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value assessment than yours.
Challenging property tax assessmentsYour local tax assessor may have your home overvalued if you live in an area that is going down or is not appreciating as much as other homes nearby. That means you're paying more taxes than you should. 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. Getting an expert appraisal from J. Boyles Appraisals, LLC is your #1 weapon when contesting your property tax assessment.
Need to remove PMI?Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are qualified in helping consumers just like you remove unwanted and unneeded PMI insurance.
HELOC recently frozen?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 home is in or near a declining area. This can be inconvenient from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. J. Boyles Appraisals, LLC can provide you with a professional appraisal to help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesHave you just received a copy of your appraisal and you'd like to have an expert double-check it for verity or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you're in a hurry, 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.
We can also provide you with a retrospective review of any appraisal you may have had done before. Even though most appraisal reviews are requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.