Attention homeowners in Woodbridge and Middlesex County: Get an Appraisal today!
See the top reasons NJ homeowners need Stern & Dragoset Appraisal Group:
Need help determining the price of your house in or near Woodbridge, NJ?
We at Stern & Dragoset Appraisal Group understand the unique needs of a homeowner looking for appraisal services. While our typical business 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
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Stern & Dragoset Appraisal Group, are objective. We 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 house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value estimation than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. Stern & Dragoset Appraisal Group is qualified in helping folks just like you remove undesirable PMI insurance.
Challenge property tax assessments
If you live in a local area that is declining or not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This only means you are going to pay 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 a matter like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from Stern & Dragoset Appraisal Group is your perfect weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. A professional appraisal from Stern & Dragoset Appraisal Group can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comps in question. 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.
Do you need a retrospective review of an appraisal? Stern & Dragoset Appraisal Group can help you with that. While usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.