Attention homeowners: Real estate appraisal services for in Point Pleasant and Ocean County

The top seven reasons why NJ homeowners use Point Appraisal Company:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. To challenge a NJ property tax assessment
  3. To reduce your mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a NJ divorce, where real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate

Do you own a home in or near Point Pleasant? Do you need help determining the price of your real estate?
Contact Point Appraisal Company.

We at Point Appraisal Company understand the special needs of a consumer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 you most likely have an emotional attachment to it. Professional appraisers, like the ones at Point Appraisal Company, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value report than yours.

Need to remove PMI?

A popular way to save money for homeowners is to get the PMI eliminated 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 is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are seasoned in helping people just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down. This means you are going to pay higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Point Appraisal Company is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your house is in or near a declining area, your lender just might make the decision 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 unsuitable from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Point Appraisal Company can provide you with an expert appraisal that will help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd wish to have a professional double-check it for efficiency or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Point Appraisal Company offers field reviews where we go out and check the subject and comps in question. Or, if you need it in a rush, we can 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 you with a a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.