Appraisal services for San Juan and San Juan County homeowners

Check out the top 7 reasons PR homeowners need McCloskey, Mulet, and Bonnin Appraisers, P.S.C.:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a PR property tax assessment
  3. Remove PMI to cut your mortgage payments
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Settle an estate in PR by determining the true market value of property in question

Do you own a home in or near San Juan? Do you need help deciding the value of your real estate?
Contact McCloskey, Mulet, and Bonnin Appraisers, P.S.C..

We at McCloskey, Mulet, and Bonnin Appraisers, P.S.C. understand the special 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 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.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at McCloskey, Mulet, and Bonnin Appraisers, P.S.C. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value report than yours.

Need to remove PMI?

A fashionable way to cut expenses for homeowners is getting the PMI canceled 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 amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. McCloskey, Mulet, and Bonnin Appraisers, P.S.C. is seasoned in helping customers just like you rid yourselves of unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that is going down or is not appreciating as much as other homes close by. This means you're paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from McCloskey, Mulet, and Bonnin Appraisers, P.S.C. is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from McCloskey, Mulet, and Bonnin Appraisers, P.S.C. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have a professional double-check it for efficiency or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from McCloskey, Mulet, and Bonnin Appraisers, P.S.C. can go out and check the subject and comps in a field review. Or, if you need it ASAP, we can provide 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 you with that While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.