Real estate appraisal services for homeowners in the city of Toms River and Ocean County
See the top 7 reasons why New Jersey homeowners hire Coastal Appraisal Service:
We at Coastal Appraisal Service understand the individual needs of a customer in need of appraisal services. Our usual business clients are used to the appraisal process and the customary documents we provide. But as a consumer, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your own house because you most likely have an emotional attachment to it. The professional appraisers at Coastal Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.
Challenge a property tax assessmentLet's say you live in an area that is declining -- your local tax assessor may have your house overvalued. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. Getting an expert appraisal from Coastal Appraisal Service is your chief weapon when contesting your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount 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 experienced in helping consumers just like you do away with undesirable PMI insurance.
Was your HELOC recently frozen?Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be difficult from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Coastal Appraisal Service can help you reinstate your home equity line of credit with an expert appraisal.
We Also Provide Field and Desktop Appraisal Review ServicesWould you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for accuracy? We can go out and check the subject and comps in a field review. If you need it immediately, 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.
We can also provide a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.