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Ordering an appraisal from Duncan AppraisalsYear after year, thousands of people in New Jersey buy, sell or refinance their home. Many of these transactions consist of a simple line item for an appraisal. While there are a developing number of automated home valuation systems that might appear more prudent than an appraisal, almost all lenders still need a local expert because the stakes are so high. You might believe that obtaining a mortgage is the only basis for getting an appraisal, but there are more instances when the services of a certified, independent real estate professional might be beneficial.
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Order appraisals on this website by simply clicking here. |
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Challenge your tax assessment in Bergen CountyIt's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your real estate, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from Duncan Appraisals is your best evidence. We're capable of assisting you in disputing your tax assessment.
PMI removal to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance plan that nearly all lenders ask homebuyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This added payment is often bundled into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Duncan Appraisals will produce a statement regarding the value of your home. The expense of the appraisal can usually be offset in just a few months because you'll no longer be paying the PMI.
Settling a divorce with less stress with an appraisal from Duncan AppraisalsA divorce is often complicated by the difficult decision of who keeps the house, and it can be a very heartbreaking occurrence for both parties. It's a good idea to order an appraisal from Duncan Appraisals so both parties are completely aware of the true market value of their property, regardless of the circumstances.
If the parties want to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Fair and accurate estate liquidation with Duncan AppraisalsSettling an estateThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.
Relocating to or from Bergen CountyEmployee relocation can be a more than just an inconvenience, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed process, we recommend relocating employees to provide feedback on the positive features of their property, along with information regarding any current sales or listings in their neighborhood that they want considered.
Don't sell out for too little or keep your home on the market too long. A professional appraisal can help you make a more informed decision regarding your asking price, whether you want to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal.
We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homes stay on the market. So, obtaining a professional appraisal is a trusted way to decide what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market for an extended amount of time.
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Today's Rates:
| 30-yr Fixed | 3.79% | 3.91% | | 15-yr Fixed | 3.04% | 3.2% | | 1-yr Adj | 2.78% | 3.45% |
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