Attention homeowners in Cloquet and Carlton County: Get an Appraisal today!

See the top 7 reasons Minnesota homeowners order from Juntunen Appraisal Services:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To lower their monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a divorce in the state of Minnesota, when real estate needs to be divided
  7. Determine the true market value of the property in question to settle an estate
Own a house in or near Cloquet, Minnesota and need help deciding the value of it? Contact Juntunen Appraisal Services.

We at Juntunen Appraisal Services understand the particular needs of a customer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Juntunen Appraisal Services, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value estimation than yours.

Challenge property tax assessments

Let's say your house is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Juntunen Appraisal Services is your strongest weapon.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are veterans in helping consumers just like you rid yourselves of unwanted and unneeded PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be inconvenient from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Juntunen Appraisal Services can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would wish to have an expert double-check it for verity or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? Juntunen Appraisal Services offers field reviews where we'll go out and check the subject and comps in question. If you need it ASAP, 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 retrospective review of any appraisal you may have had done before. Although most review work is requested by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to get a second opinion.