Let The Welter Appraisal Group handle your appraisal needs

To many, an appraisal just looks like a line item in the long list of items for a mortgage or refinance. Practically all lenders still call in 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 prudent than an appraisal. You might assume that getting a mortgage is the only reason to get an appraisal, but there are other times when the services of a licensed, independent real estate professional could be helpful.

Let The Welter Appraisal Group help you lower your mortgage payment

Appeal your tax assessment in Monmouth County

If you are in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in challenging your tax assessment.

Remove PMI to lower your mortgage payment

When the amount being loaned to the homeowneris more than 80% of the actual value of the home, most lenders ask buyers to take out this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is bad because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss 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 can give you a statement regarding the value of your home. The price you paid for the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is often complicated by the difficult decision of who keeps the house, and it can be an especially daunting occurrence for both parties. It's a good idea to order an appraisal from The Welter Appraisal Group so both parties are completely aware of the true market value of their house, regardless of the situation.

The parties will have a better 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 received a fair evaluation.

Determine an accurate and fair valuation for estate liquidation

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. And since a home or other property often makes up a disproportionate share of the total estate value, knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocate to or from Monmouth County through an employee relocation program

Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide feedback on the positive features of their property, along with information about any recent sales or listings in their area that they want considered.

Sell your home quickly — for an accurate price

Whether you want 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 regarding your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees rest on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to determine 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 an unnecessarily long time, because we're experts in knowing how long homes are one the market.

Let The Welter Appraisal Group help you sell your home quickly at the right price