Need an appraisal in Oakhurst or Monmouth County?
The top 7 reasons why NJ homeowners hire The Welter Appraisal Group:
Do you own a home in or near Oakhurst? Do you need help deciding the value of your real estate?
At The Welter Appraisal Group, we understand the unique needs of a customer after 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/Pre-Listing Services
It's very hard to be objective about your house because you most likely have an emotional attachment to 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 price to sell at so your house will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to save money for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping consumers just like you rid yourselves of unnecessary PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if your house is not appreciating as much as other properties nearby. This means you are probably paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from The Welter Appraisal Group is your strongest weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. An expert appraisal from The Welter Appraisal Group can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for verity? In a field review we will go out and check the subject and comps in question. 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 a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.