Attention homeowners in Montvale and Bergen County: Need an appraisal?
The top reasons NJ homeowners need James Minaya & Company:
Own a home in or near Montvale, NJ and need help deciding the price of it?
We at James Minaya & Company understand the special needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. But as a consumer,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis. For-Sale-By-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at James Minaya & Company are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value opinion than yours. Need to remove PMI?PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. We are veterans in helping consumers just like you rid themselves of unwanted PMI insurance. Challenge a property tax assessmentYour local tax assessor may have your house overvalued if your home is not appreciating as much as other properties nearby. That only means you are most likely paying 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. Getting an appraisal report from James Minaya & Company is your perfect weapon when challenging your property tax assessment. HELOC recently frozen?Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. James Minaya & Company can help you reinstate your HELOC. Need Field and Desktop Appraisal Review Services?Have you just accepted a copy of your appraisal and you'd wish to have a seasoned professional double-check it for preciseness or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from James Minaya & Company can go out and check the subject and comps in question in a field review. If you're in a rush, we'll 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 a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house. |