Attention homeowners in Groton and New London County: Need an appraisal?

The top seven reasons why CT homeowners use Joseph J. Marino:

Pre-listing appraisals (whether they're selling the home on their own or using an agent)
Challenge New London county's assessment of your propertyvalue
To cut your monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a CT divorce, where property needs to be divided
Determine the true market value of real estate in question to settle an estate

Do you own a house in or near Groton? Do you need help deciding the price of your real estate?
Contact Joseph J. Marino.

At Joseph J. Marino, we understand the individual needs of a customer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. As our client, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Joseph J. Marino will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just 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 professional appraiser's value report than yours.

Appraisals to cancel PMI

A fashionable way to cut costs for homeowners is getting 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 is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. We're qualified in helping people just like you remove unwanted and unneeded PMI insurance.

Challenge Tax Assessment

If you live in a local area that is going down or is not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. This only means you're going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Joseph J. Marino is your chief weapon.

HELOC recently frozen?

Your lender just may decide 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. Not only can this be inopportune from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Joseph J. Marino can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for verity, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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.

Do you need a retrospective review of an appraisal report? Joseph J. Marino can help you with that. While usually requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your property.