Attention homeowners in Cottage Grove and Rock County: Need an appraisal?

See the top seven reasons Wisconsin homeowners hire JC Appraisal LLC:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Rock County's assessment of your property value
  3. To reduce a mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Rock county or Wisconsin by determining the true market value of the property in question
Need help deciding the value of your house in or near Cottage Grove, Wisconsin? Contact JC Appraisal LLC.

We at JC Appraisal LLC understand the particular needs of a consumer looking for appraisal services. While our usual 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.

Pre-listing Services/For Sale by Owner (FSBO)

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. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

Challenge property tax assessments

Let's say your home is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. This only means you are going to pay 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. When contesting your property tax assessment, getting a professional appraisal from JC Appraisal LLC is your #1 weapon.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, 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're veterans in helping homeowners just like you do away with undesirable PMI insurance.

Recently got a freeze to your HELOC?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be annoying from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. An appraisal from JC Appraisal LLC can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for precision, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you need it in a rush, 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.

Do you need a retrospective review of an appraisal? We can assist you. Although most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.