Need an appraisal in Peru or Clinton County?

See the top reasons NY homeowners hire John Fowler:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
To challenge a NY property tax assessment
To lower a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a NY divorce, where real estate needs to be divided
To settle an estate in NY by determining the true market value of real estate in question

Need help deciding the value of your house in or near Peru, NY?
Contact John Fowler.

At John Fowler, we understand the special needs of a customer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at John Fowler are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.

PMI Removal Appraisals

A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your house, 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. At John Fowler, we're experienced in helping consumers just like you abolish unwanted PMI insurance.

Challenging Clinton county's assessment of your property

Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses close to yours. 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 quicker you take care of things like this, the better off you'll be. An appraisal from John Fowler is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. John Fowler can help you reinstate your home equity line of credit with an expert appraisal.

We Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for verity, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you're in a rush, we can 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? We can help with that too. Even though this is usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.