Appraisal services for Melville and Suffolk County homeowners

The top seven reasons why NY homeowners order from Joyce Appraisal Services Inc.:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a NY property tax assessment
  3. To lower your mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a NY divorce, where real estate property needs to be divided
  7. Settle an estate in NY by determining the true market value of property in question

Need help deciding the value of your house in or near Melville, NY?
Contact Joyce Appraisal Services Inc..

At Joyce Appraisal Services Inc., we understand the special needs of a consumer looking for appraisal services. While our usual 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.

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

It's very hard to be objective about your 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 buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, 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 far more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to remove PMI

A preferred way to save money 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 your lender to have the PMI removed from your loan. We are veterans in helping customers just like you get rid of 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. That only means you are probably paying more taxes than you should. 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. An expert appraisal from Joyce Appraisal Services Inc. is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Joyce Appraisal Services Inc. can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? Joyce Appraisal Services Inc. offers field reviews where we'll go out and check the subject and comps 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? Joyce Appraisal Services Inc. can We can assist you. While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.