Attention homeowners in San Juan and San Juan County: Get an Appraisal today!

The top 7 reasons why PR homeowners need JCC and Associates, LLC.:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to lower your mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate

Do you own a house in or near San Juan? Do you need help determining the value of your real estate?
Contact JCC and Associates, LLC..

At JCC and Associates, LLC., we understand the particular needs of a customer after appraisal services. Our regular business clients get the appraisal process and the standard "products" we deliver to them. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

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 JCC and Associates, LLC. 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 home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping people just like you dismiss unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes close to yours. That only means you're going to pay 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. When contesting your property tax assessment, getting an appraisal from JCC and Associates, LLC. is your perfect weapon.

Recently got a freeze your HELOC?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. A professional appraisal from JCC and Associates, LLC. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would like to have a seasoned professional double-check it for accuracy or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it immediately, 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.

Do you need a retrospective review of an appraisal report? JCC and Associates, LLC. can help with that too. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.