Let R. Oliver Appraisals handle your appraisal

Year after year, thousands of people in New Jersey purchase, sell or refinance their home. Most of these transactions have a simple line item for an appraisal. The majority of lenders still need a local expert because the stakes are so high, even though there are a budding number of automated home valuation processes that might seem more economical than an appraisal. You might assume that getting a mortgage is the only basis for getting an appraisal, but there are more instances when the services of a licensed, independent real estate professional might come in handy.

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Dispute your tax assessment in Passaic County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from R. Oliver Appraisals is your best evidence. At R. Oliver Appraisals,we can assist you in appealing your tax assessment.

Let R. Oliver Appraisals help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask home buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. Most often, this additional payment is lumped into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

R. Oliver Appraisals can give you a statement regarding the value of your home, and the price you paid for the home valuation can generally be recovered in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the troublesome decision of who gets the house, and it can be a particularly heartbreaking ordeal for both parties. It's a good idea to get an appraisal from R. Oliver Appraisals so both parties are completely aware of the true market value of their property, regardless of the circumstances.

The parties will have a good idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Settling an estate with peace of mind

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion.

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocating to or from Passaic County?

We are familiar with the stress associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive process, we recommend relocating employees to provide input on the positive attributes of their property, along with information about any current sales or listings in their area that they want considered.

Sell your home quickly at the right price with an appraisal from R. Oliver Appraisals

A professional appraisal will help you make a more informed decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value we come up with, but rather they are calculated on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a reliable way to decide what improvements will add value and what an applicable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long properties stay on the market.