Attention homeowners in Denmark and Brown County: Need an appraisal?

Here are the top reasons WI homeowners order from Joy Newton:

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

Own a house in or near Denmark, WI and need help determining the price of it?
Contact Joy Newton.

We at Joy Newton understand the individual needs of a consumer after 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 (FSBO) / Pre-Listing Services

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Joy Newton will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money 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 the lender to have the PMI eliminated from your loan. We are qualified in helping clients just like you do away with unneeded PMI insurance.

Challenging a property tax assessment

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. This means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Joy Newton is your number one weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow viewpoint. Joy Newton can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for verity or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? Joy Newton offers field reviews where we'll go out and check the subject and comps. Or, if you're in a hurry, we can provide 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 typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.