Appraisal services for HOWELL and Monmouth County homeowners

Here are the top seven reasons why NJ homeowners hire Jeffrey Smith:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut a monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a NJ divorce, when real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Monmouth county or NJ

Need help determining the value of your house in or near HOWELL, NJ?
Contact Jeffrey Smith.

At Jeffrey Smith, we understand the unique needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. As our valued client, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

Pre-listing Services/For Sale By Owner (FSBO)

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 property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. We're seasoned in helping people just like you remove unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that's declining or not appreciating as much as other homes close to yours. This means you are paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Jeffrey Smith is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Jeffrey Smith can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you're 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.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.