Attention homeowners in Grand Ronde and Polk County: Need an appraisal?

The top 7 reasons why OR homeowners call on Janelle Justen:

Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge Polk county's assessment of your propertyworth
Remove PMI to reduce their monthly mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Need help deciding the value of your home in or near Grand Ronde, OR?
Contact Janelle Justen.

We at Janelle Justen understand the unique needs of a customer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. Being a regular consumer that probably doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to more fully 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 home because you probably have an emotional attachment to it. The professional appraisers at Janelle Justen will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value opinion than yours.

Need to remove PMI?

A fashionable way to save money 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 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. Janelle Justen is experts in helping consumers just like you dismiss undesirable PMI insurance.

Challenge a property tax assessment

Lets say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. This only 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 earlier you take care of things like this, the better. An appraisal report from Janelle Justen is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your home is near a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Janelle Justen can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for efficiency? An appraiser from Janelle Justen can go out and check the subject and comps in a field review. If you're in a hurry, we'll 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 report? We can help you with that Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.