Appraisal services for Ossining and Westchester County homeowners

Here are the top 7 reasons NY homeowners hire GJM Appraisals, LLC:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge a property tax assessment
  3. Remove PMI to cut your monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a NY divorce, where real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate

Own a house in or near Ossining, NY and need help determining the value of it?
Contact GJM Appraisals, LLC.

At GJM Appraisals, LLC, we understand the individual needs of a consumer looking for appraisal services. Our customary business clients are used to the appraisal process and the customary reporting formats. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

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. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value opinion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. 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, which will make your monthly payments go down. GJM Appraisals, LLC is qualified in helping folks just like you rid themselves of undesirable PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. This means you are probably paying higher taxes than you should be paying. The quicker 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 appraisal from GJM Appraisals, LLC is your best 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 near a declining area. Not only can this be disadvantageous from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. GJM Appraisals, LLC can help you reinstate your home equity line of credit with a professional appraisal.

We Also Provide 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 a professional to double-check your appraisal for preciseness? We can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can We can assist you Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.