Appraisal services for Holbrook and Suffolk County homeowners

Check out the top seven reasons NY homeowners hire EBJ Associates, LLC:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower their mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. In the case of a NY divorce, where property needs to be divided
  7. Settle an estate in NY by determining the true market value of real estate in question

Need help determining the price of your home in or near Holbrook, NY?
Contact EBJ Associates, LLC.

At EBJ Associates, LLC, we understand the unique needs of a homeowner in need of appraisal services. Our usual business clients are used to the appraisal process and the usual documents we provide. As our client, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at EBJ Associates, LLC are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to remove PMI

A preferred money saver for homeowners is to get the PMI canceled 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 down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We are veterans in helping consumers just like you dismiss unwanted PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from EBJ Associates, LLC is your perfect 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 choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. EBJ Associates, LLC can help you reinstate your HELOC.

We Also Provide 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 charge and delay of waiting for a whole new appraisal? An appraiser from EBJ Associates, LLC can go out and check the subject and comps in a field review. Or, if you need it immediately, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? EBJ Associates, LLC can We can assist you. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.