Attention homeowners in Nutley and Essex County: Need an appraisal?

Here are the top reasons NJ homeowners order from Marie Towey:

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

Need help deciding the price of your home in or near Nutley, NJ?
Contact Marie Towey.

At Marie Towey, we understand the special needs of a customer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Marie Towey are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are seasoned in helping clients just like you rid themselves of undesirable PMI insurance.

Challenging a property tax assessment

Lets say you live in an area that is declining -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting a professional appraisal from Marie Towey is your best weapon.

Recently got a freeze your HELOC?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Marie Towey can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comps. If you're in a rush, 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.

Need a retrospective review of an appraisal report? We can We can assist you Even though this is typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.