Need an appraisal in Gresham or Multnomah County?

The top 7 reasons why OR homeowners need Joseph McKenzie:

Pre-listing appraisals (whether they're selling the home on their own or using an agent)
To challenge a OR property tax assessment
Remove PMI to reduce your monthly mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
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

Need help determining the value of your house in or near Gresham, OR?
Contact Joseph McKenzie.

At Joseph McKenzie, we understand the individual needs of a customer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. As our valued client, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Joseph McKenzie 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 selling price so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value report than yours.

Need to remove PMI?

An attractive way to cut expenses for homeowners is getting the PMI removed 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 less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. Joseph McKenzie is experts in helping homeowners just like you rid themselves of undesirable PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in an area that is declining. This means you're most likely paying 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. An expert appraisal from Joseph McKenzie is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your home is in or near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. 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 point of view. Joseph McKenzie can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would like to have an expert double-check it for preciseness or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Joseph McKenzie can go out and check the subject and comparables in question in a field review. If you need it in a rush, 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? Joseph McKenzie can We can assist you. While typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.