Need an appraisal in Post Falls or Kootenai County?

The top reasons ID homeowners order from JL Valuations:

Find the right listing price (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To reduce their mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a ID divorce, when real estate needs to be divided
Determine the true market value of real estate in question to settle an estate

Own a home in or near Post Falls, ID and need help deciding the price of it?
Contact JL Valuations.

We at JL Valuations understand the individual needs of a customer in need of appraisal services. Our customary business clients understand the appraisal process and the usual documents we provide. Being a consumer that probably doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

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. Professional appraisers, like the ones at JL Valuations, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. JL Valuations is qualified in helping people just like you get rid of unnecessary PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. A professional appraisal from JL Valuations is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your home is in a declining area, your lender just may decide 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 disadvantageous from a cash flow angle. JL Valuations can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for accuracy, 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 comps. Or, if you need it in a rush, 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.

Need a retrospective review of an appraisal? We can help with that too. Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.