Need an appraisal in Farmington or San Juan County?

Here are the top seven reasons New Mexico homeowners order from SJC Appraisals:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge your property tax assessment in New Mexico
  3. To cut their mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a divorce in the state of New Mexico, when real estate needs to be divided
  7. To settle an estate in San Juan county or New Mexico by determining the true market value of the real estate in question
Do you own a home in or near Farmington? Do you need help determining the value of your real estate? Contact SJC Appraisals.

We at SJC Appraisals understand the individual needs of a customer in need of appraisal services. While our typical business 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.

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. 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 valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

Challenging San Juan County's assessment of your property

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close by. This means you are going to pay higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from SJC Appraisals is your best weapon when contesting your property tax assessment.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. We are experts in helping homeowners just like you get rid of unwanted PMI insurance.

Recently got a freeze to your HELOC?

If your house is close to a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be disadvantageous from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. An appraisal from SJC Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for efficiency, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? SJC Appraisals offers field reviews where we'll go out and check the subject and comparables in question. If you need it immediately, 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 report? SJC Appraisals can help you with that. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.