Need an appraisal in Cliffside Park or Bergen County?
Check out the top 7 reasons why NJ homeowners call on Gold Coast Appraisal Group LLC:
Own a home in or near Cliffside Park, NJ and need help determining the price of it?
At Gold Coast Appraisal Group LLC, we understand the unique needs of a homeowner in need of appraisal services. While our typical 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 (FSBO)
It's very hard to be objective about your home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. We're seasoned in helping folks just like you rid themselves of unnecessary PMI insurance.
Challenge a property tax assessment
Lets say your house is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Gold Coast Appraisal Group LLC is your chief weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be disadvantageous from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Gold Coast Appraisal Group LLC can help you reinstate your home equity line of credit with an expert appraisal.
Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for verity? In a field review we will go out and check the subject and comparables. Or, if you need it immediately, we can provide 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 help with that too. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.
Got a Question?
Do you have a question relating to real estate appraisals? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.