Need an appraisal in Oakhurst or Monmouth County?
Check out the top reasons NJ homeowners call on The Welter Appraisal Group:
Need help deciding the price of your home in or near Oakhurst, NJ?
We at The Welter Appraisal Group understand the unique needs of a consumer in need of appraisal services. Our typical business clients get the appraisal process and the customary "products" we deliver to them. Being a regular consumer that most likely doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
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 The Welter Appraisal Group, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value assessment than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. At The Welter Appraisal Group, we're veterans in helping folks just like you abolish unnecessary PMI insurance.
Challenge Monmouth county's assessment of your property
Lets say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. That means you're going to pay 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. An appraisal from The Welter Appraisal Group is your number one weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can this be inconvenient from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. An expert appraisal from The Welter Appraisal Group can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you'd wish to have a professional double-check it for efficiency or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from The Welter Appraisal Group can go out and check the subject and comps in a field review. If you need it ASAP, 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.
We can also provide you with a a retrospective review of any appraisal you may have had done before. Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.