Real estate appraisal services for homeowners in the city of St John and Saint John County

The top 7 reasons VI homeowners order from Elissa Rock Runyon:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. Challenge Saint John county's assessment of your propertyvalue
  3. Remove PMI to reduce a mortgage payments
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in VI by determining the true market value of property in question

Do you own a house in or near St John? Do you need help deciding the value of your real estate?
Contact Elissa Rock Runyon.

At Elissa Rock Runyon, we understand the unique needs of a customer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a consumer that probably doesn't see an appraisal every day,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 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 seasoned in helping clients just like you do away with unwanted and unneeded PMI insurance.

Challenge Tax Assessment

If you live in a region that is going down or is not appreciating as much as other homes close by, your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from Elissa Rock Runyon is your strongest weapon.

HELOC recently frozen?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Elissa Rock Runyon can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for precision, or do you desire a second opinion without the added 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 immediately, we can provide 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 a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.