Why get an appraisal from The Welter Appraisal Group?

To many, an appraisal is simply one more thing in the long list of items for a home sale or refinance. Most lenders still call for a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that may appear more cost-effective than an appraisal. But is getting a mortgage the only reason to acquire an appraisal? Are there additional cases when the services of a certified, independent real estate professional might come in handy? You bet.


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Dispute your tax assessment in Monmouth County

It's possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are based upon a previous assessment of your house, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from The Welter Appraisal Group is your best evidence when building your case. We're qualified to assist you in appealing your tax assessment.

The Welter Appraisal Group can help you eliminate PMI to lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the home, many lenders ask buyers to take out an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often lumped into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, The Welter Appraisal Group will give you a statement regarding the value of your home. The cost of the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from The Welter Appraisal Group

A divorce is a particularly heartbreaking ordeal for the parties involved, and it is often more complicated by the hard decision of who gets the home. So both parties are completely aware of the true market value of their property, it's a good idea to order an appraisal from The Welter Appraisal Group, regardless of the situation.

The parties will have a a good idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Fair and accurate estate liquidation with The Welter Appraisal GroupSettling an estate

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion.

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these issues. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the absolute value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Relocating to or from Monmouth County

We understand the headaches involved with an employee relocation. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive process, we recommend employees that are moving to provide feedback on the positive aspects of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Don't sell out short or let your home stay on the market too long.

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision when determining your asking price. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't contingent upon the value opinion we render, but rather they rest on our efforts to complete the appraisal.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homes are on the market. So, getting a professional appraisal is a reliable way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market for an extended amount of time.