Appraisal services for Rochester and Monroe County homeowners

See the top seven reasons NY homeowners use JMAppraisal Services:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge Monroe county's assessment of your propertyworth
Remove PMI to reduce your mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in NY by determining the true market value of property in question

Do you own a home in or near Rochester? Do you need help deciding the price of your real estate?
Contact JMAppraisal Services.

We at JMAppraisal Services understand the individual needs of a homeowner seeking appraisal services. While our typical 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 home because you most likely have an 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 property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is 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. We're seasoned in helping customers just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses nearby. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. Getting an expert appraisal from JMAppraisal Services is your best 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 just may choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. JMAppraisal Services can provide you with a professional appraisal to help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for precision? In a field review we will go out and check the subject and comparables in question. Or, if you need it ASAP, 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 report? JMAppraisal Services can We can assist you. While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.