Attention homeowners: Real estate appraisal services for in Clark and Union County

The top reasons NJ homeowners order from Mid State Appraisal Group:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To reduce your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a NJ divorce, when property needs to be divided
Determine the true market value of property in question to settle an estate

Own a home in or near Clark, NJ and need help deciding the value of it?
Contact Mid State Appraisal Group.

At Mid State Appraisal Group, we understand the particular needs of a customer seeking 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 (FSBO)

It's very hard to be objective about your own house because you probably have an 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 interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

Need to remove PMI?

A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down 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. Mid State Appraisal Group is qualified in helping homeowners just like you get rid of unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes nearby. This means you're probably paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Mid State Appraisal Group 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 just might choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be disadvantageous 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 expert appraisal from Mid State Appraisal Group can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it immediately, we can 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? Mid State Appraisal Group can help you with that. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.