Real estate appraisal services for homeowners in the city of and Camden County

See the top seven reasons why homeowners call on South Jersey Certified Appraisers:

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

Do you own a house in or near ? Do you need help deciding the price of your real estate?
Contact South Jersey Certified Appraisers.

At South Jersey Certified Appraisers, we understand the particular needs of a customer after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Our professional appraisers at South Jersey Certified Appraisers are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Appraisals to cancel PMI

A popular way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. South Jersey Certified Appraisers is experienced in helping clients just like you rid yourselves of unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that is declining or not appreciating as much as other properties nearby. This only means you are probably paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from South Jersey Certified Appraisers is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow point of view. South Jersey Certified Appraisers can help you reinstate your HELOC.

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 need an expert to double-check your appraisal for verity? South Jersey Certified Appraisers offers field reviews where we go out and check the subject and comparables in question. Or, if you need it 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.

We can also provide you with a a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.