Appraisal services for Scarsdale and Westchester County homeowners

The top 7 reasons why NY homeowners call on B & J APPRAISALS, INC.:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Westchester county's assessment of your property
Remove PMI to cut their monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in NY

Do you own a house in or near Scarsdale? Do you need help determining the value of your real estate?
Contact B & J APPRAISALS, INC..

At B & J APPRAISALS, INC., we understand the individual needs of a customer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at B & J APPRAISALS, INC., will be objective. We'll 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 an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value assessment than yours.

Need to cancel PMI?

A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down 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 removed from your loan. We're veterans in helping people just like you rid yourselves of unneeded PMI insurance.

Challenge a property tax assessment

Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When challenging your property tax assessment, getting a professional appraisal from B & J APPRAISALS, INC. is your chief weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be disadvantageous from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. B & J APPRAISALS, INC. can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for efficiency, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? B & J APPRAISALS, INC. offers field reviews where we go out and check the subject and comps. If you need it ASAP, 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? We can help with that too. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.