Appraisal services for Wood Ridge and Bergen County homeowners
The top reasons NJ homeowners use Duncan Appraisals:
Do you own a home in or near Wood Ridge? Do you need help deciding the value of your real estate?
We at Duncan Appraisals understand the unique needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. Being a regular consumer that most likely doesn't see an appraisal every day,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Duncan Appraisals 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 selling price so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value estimation than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're veterans in helping people just like you rid yourselves of unnecessary PMI insurance.
Challenge Tax Assessment
If you live in a local area that is declining or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal from Duncan Appraisals is your best weapon.
HELOC recently frozen?
Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. Duncan Appraisals can help you reinstate your home equity line of credit with efficient appraisal.
Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for accuracy? We can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, 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 in the past. Even though this is typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.
Got a Question?
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