Attention homeowners in Mountain and Oconto County: Need an appraisal?

The top reasons WI homeowners order from Joy Appraisals:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge Oconto county's assessment of your property
To reduce a monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a WI divorce, when real estate property needs to be divided
Settle an estate in WI by determining the true market value of real estate in question

Do you own a home in or near Mountain? Do you need help deciding the price of your real estate?
Contact Joy Appraisals.

At Joy Appraisals, we understand the particular needs of a homeowner in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Joy Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. 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, which will make your monthly payments go down. We are experts in helping clients just like you abolish unwanted PMI insurance.

Challenge a property tax assessment

Lets say your house is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. An appraisal report from Joy Appraisals is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Joy Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for preciseness, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a hurry, 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? Joy Appraisals can help with that too. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.