Attention homeowners in Wood Ridge and Bergen County: Need an appraisal?

The top seven reasons NJ homeowners hire Duncan Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. To cut your mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in Bergen County or the state of NJ

Do you own a home in or near Wood Ridge? Do you need help determining the value of your real estate?
Contact Duncan Appraisals.

At Duncan Appraisals, we understand the individual needs of a customer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Duncan Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are seasoned in helping customers just like you rid yourselves of unwanted PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other properties close by -- your local tax assessor may have your home overvalued. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. Getting a professional appraisal from Duncan Appraisals is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your home is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Duncan Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd like to have a professional double-check it for preciseness or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you're in a hurry, we can provide 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 report? We can We can assist you Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.

Got a Question?

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