Attention homeowners in FREDERIKSTED and Saint Croix County: Need an appraisal?

Here are the top 7 reasons VI homeowners call on JOY ELLIOTT:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower their mortgage payments
  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 VI divorce, when real estate needs to be divided
  7. Determine the true market value of property in question to settle an estate

Do you own a home in or near FREDERIKSTED? Do you need help determining the value of your real estate?
Contact JOY ELLIOTT.

We at JOY ELLIOTT understand the unique needs of a customer after 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.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at JOY ELLIOTT 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 price to sell at so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.

PMI Removal Appraisals

An attractive money saver for homeowners is getting the PMI removed 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 is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. At JOY ELLIOTT, we're seasoned in helping folks just like you rid yourselves of unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close to yours. This means you're most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from JOY ELLIOTT is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. A professional appraisal from JOY ELLIOTT can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for accuracy or do you want 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 in question. 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.

Do you need a retrospective review of an appraisal? JOY ELLIOTT can help with that too. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.