Attention homeowners: Real estate appraisal services for in Union and Union County
The top 7 reasons NJ homeowners call on South Mountain Appraisals, Inc.:
Own a house in or near Union, NJ and need help determining the price of it?
At South Mountain Appraisals, Inc., we understand the unique needs of a homeowner after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a consumer,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at South Mountain Appraisals, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We are seasoned in helping folks just like you rid yourselves of unneeded and unwanted PMI insurance.
Challenge Union county's assessment of your property
Your local tax assessor may have your house overvalued if you live in an area that's going down. That means you are going to pay more taxes than you should. The earlier 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 report from South Mountain Appraisals, Inc. is your number one weapon when challenging your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be annoying from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. South Mountain Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need a seasoned expert to double-check your appraisal for accuracy, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We 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.
Need a retrospective review of an appraisal? We can help you with that While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.