Attention homeowners: Real estate appraisal services for in Jacksonville and Duval County

The top seven reasons why FL homeowners hire J & Y Associates:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Duval county's assessment of your propertyvalue
  3. Remove PMI to reduce a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a FL divorce, where real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate in FL

Need help deciding the price of your home in or near Jacksonville, FL?
Contact J & Y Associates.

We at J & Y Associates understand the individual needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a regular homeowner that most likely doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

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

It's very hard to be objective about your house because you probably have an 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. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value assessment than yours.

Need to remove PMI?

A popular way to cut costs 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". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. J & Y Associates is veterans in helping customers just like you abolish unwanted PMI insurance.

Challenging property tax assessments

Lets say your house is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. That means you are most likely paying more taxes than you should. The quicker 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 J & Y Associates is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender just might decide 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 this be troublesome from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. J & Y Associates can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for accuracy? In a field review we'll go out and check the subject and comparables. If you need it ASAP, we'll 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? J & Y Associates can help with that too. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.