Appraisal services for Navarre and Santa Rosa County homeowners

Check out the top 7 reasons FL homeowners hire Joseph W Jones:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
To cut your mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
Settle an estate in FL by determining the true market value of real estate in question

Need help determining the value of your house in or near Navarre, FL?
Contact Joseph W Jones.

We at Joseph W Jones understand the particular needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. As our valued client, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Joseph W Jones will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value assessment than yours.

Need to remove PMI?

A fashionable way to cut expenses 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". Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping customers just like you rid yourselves of unneeded PMI insurance.

Challenge Santa Rosa county's assessment of your property

Lets say you live in an area that is declining -- your local tax assessor may have your house overvalued. That means you are probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Joseph W Jones is your best weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be troublesome from a cash flow point of view, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Joseph W Jones can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for precision? Joseph W Jones offers field reviews where we'll go out and check the subject and comps in question. 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. Even though this is usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.