Real estate appraisal services for homeowners in the city of Oakhurst and Monmouth County
The top seven reasons why NJ homeowners order from The Welter Appraisal Group:
Do you own a house in or near Oakhurst? Do you need help deciding the value of your real estate?
We at The Welter Appraisal Group understand the particular needs of a homeowner in need of appraisal services. While our usual 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. A professional appraiser is objective and will 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 property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At The Welter Appraisal Group, we're qualified in helping clients just like you dismiss unwanted and unneeded PMI insurance.
Challenge property tax assessments
If you live in a local area that is going down or not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from The Welter Appraisal Group is your strongest weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender may just 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 this be difficult and inconvenient from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. An appraisal from The Welter Appraisal Group can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would like to have a professional double-check it for precision or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? The Welter Appraisal Group offers field reviews where we'll go out and check the subject and comparables. Or, if you need it in a rush, we can 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 you may have had in the past. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.