Appraisal services for Jamesburg and Middlesex County homeowners

The top 7 reasons NJ homeowners order from Swan Associates:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
To challenge a NJ property tax assessment
Remove PMI to cut a monthly mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Middlesex County or the state of NJ

Do you own a home in or near Jamesburg? Do you need help determining the value of your real estate?
Contact Swan Associates.

At Swan Associates, we understand the unique needs of a customer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and accountants. As our non-traditionalclient, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're qualified in helping people just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge Middlesex county's assessment of your property

Your local tax assessor may have your home overvalued if your home not appreciating as much as other properties nearby. That means you are probably paying more taxes than you should. The quicker 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 appraisal report from Swan Associates is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your house is in or near a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Swan Associates can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? Swan Associates offers field reviews where we'll go out and check the subject and comparables in question. If you need it ASAP, 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.

Do you need a retrospective review of an appraisal report? Swan Associates can help with that too. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.