Attention homeowners in Johnson City and Broome County: Get an Appraisal today!

Check out the top seven reasons why New York homeowners order from Jim Murray Appraisal Service:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To cut a monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
Determine the true market value of the property in question to settle an estate in Broome county or New York


	Do you own a home in or near Johnson City? Do you need help determining the value of your real estate? Contact Jim Murray Appraisal Service.

We at Jim Murray Appraisal Service understand the special needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. As our client, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Jim Murray Appraisal Service, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It's something tangible to show your 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 know that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value assessment than yours.

Challenge a property tax assessment

If you live in a region that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. This 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 earlier you take care of things like this, the better off you'll be. Getting an expert appraisal from Jim Murray Appraisal Service is your number one weapon when contesting your property tax assessment.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We are seasoned in helping homeowners just like you dismiss unneeded PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be unsuitable from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Jim Murray Appraisal Service can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have an expert double-check it for accuracy or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you need it in a rush, we can provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide you with a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.