Real estate appraisal services for homeowners in the city of Rio and Columbia County

Here are the top reasons Wisconsin homeowners need JNJ Appraisal:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to cut your mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a divorce in the state of Wisconsin, where real estate needs to be divided
  7. Settle an estate in Wisconsin by determining the true market value of real estate
Do you own a house in or near Rio? Do you need help determining the value of your real estate? Contact JNJ Appraisal.

At JNJ Appraisal, we understand the individual needs of a customer in need of appraisal services. While our usual 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.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at JNJ Appraisal 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 price to sell at so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining. This only means you're probably paying higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from JNJ Appraisal is your #1 weapon when challenging your property tax assessment.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping customers just like you dismiss undesirable PMI insurance.

HELOC recently frozen?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be inopportune from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. JNJ Appraisal can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for efficiency? An appraiser from JNJ Appraisal can go out and check the subject and comps in a field review. Or, if you're in a rush, 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? JNJ Appraisal can help you with that. Although most review work is commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.