Attention homeowners in Santa Fe and Santa Fe County: Need an appraisal?

The top 7 reasons New Mexico homeowners hire CJ Vigil & Associates, Inc.:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge a property tax assessment
  3. To lower their monthly mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a divorce in the state of New Mexico, when real estate property needs to be divided
  7. Determine the true market value of the property in question to settle an estate in Santa Fe county or New Mexico
Do you own a home in or near Santa Fe? Do you need help deciding the price of your real estate? Contact CJ Vigil & Associates, Inc..

We at CJ Vigil & Associates, Inc. understand the unique needs of a customer looking for appraisal services. While our usual business 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 (FSBO)

It's very hard to be objective about your house because you most likely have an emotional attachment to it. The professional appraisers at CJ Vigil & Associates, Inc. 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 price to sell at so your property will attract buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value report than yours.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down. 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. An appraisal report from CJ Vigil & Associates, Inc. is your number one weapon when challenging your property tax assessment.

Appraisals to cancel PMI

A fashionable way to save money for homeowners is to get 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 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. At CJ Vigil & Associates, Inc., we're veterans in helping folks just like you abolish unneeded and unwanted PMI insurance.

Was your HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be disadvantageous from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. CJ Vigil & Associates, Inc. can help you reinstate your home equity line of credit with a professional appraisal.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for preciseness, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you're 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? We can help with that too. While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.