Why you should order an appraisal

To a lot of us, an appraisal just looks like another fee on the settlement sheet for a home purchase or refinance. The majority of lenders still want a local expert because the stakes are so high, even though there are a budding number of automated home valuation systems that may appear to be more prudent than an appraisal. But is getting a mortgage the only basis for getting an appraisal? Are there other cases when the services of a licensed, independent real estate professional could be helpful? You bet there are.


	For real estate appraisals in Matawan and Monmouth County, it's easiest when your order online from Roland Appraisals, just click here.

Let Roland Appraisals help you dispute your tax assessment in Monmouth County

It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a past assessment of your real estate, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Roland Appraisals is your best evidence when building your case. We're capable of assisting you in appealing your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the property, many lenders ask home buyers to purchase an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to dismiss the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Roland Appraisals can produce a statement regarding the value of your home, and the price you paid for the appraisal can usually be recovered in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Roland Appraisals

A divorce is a particularly traumatic experience for the parties involved, and it is often further complicated by the strenuous decision of who gets the home. Regardless of the circumstances, it's prudent to order an appraisal from Roland Appraisals so both parties are entirely aware of the true market value of their home.

If the parties need to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Accurate and fair estate liquidation

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the certain value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Roland Appraisals can assist you in relocating to or from Monmouth County

We know the stress involved with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough process, we recommend relocating employees to provide input on the positive attributes of their property, along with information regarding any recent sales or listings in their area that they want considered.

Let Roland Appraisals help you sell your home quickly at the right price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't contingent upon the value opinion we render, but rather they are calculated on our efforts to finish the appraisal.

We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a reliable way to determine what improvements will add value and what an appropriate 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 houses are one the market.