Attention homeowners: Real estate appraisal services for in Clovis and Curry County

Check out the top seven reasons NM homeowners need Joe Wright Appraisals:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To lower their mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a NM divorce, when real estate property needs to be divided
To determine the true market value of property in question to settle an estate in Curry county or NM

Own a house in or near Clovis, NM and need help determining the value of it?
Contact Joe Wright Appraisals.

At Joe Wright Appraisals, we understand the individual needs of a consumer in need of 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.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Joe Wright Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value estimation than yours.

Appraisals to cancel PMI

A preferred money saver 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". Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Joe Wright Appraisals, we're seasoned in helping homeowners just like you dismiss undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that is declining. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting a professional appraisal from Joe Wright Appraisals is your best weapon.

Was your HELOC recently frozen?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. An expert appraisal from Joe Wright Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for verity? Joe Wright Appraisals offers field reviews where we go out and check the subject and comps. If you're in a hurry, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal report you may have in your possession. 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 home.