Need an appraisal in Mahwah or Bergen County?
See the top seven reasons why NJ homeowners hire Dougherty & Associates, L.L.C.:
Do you own a house in or near Mahwah? Do you need help determining the price of your real estate?
We at Dougherty & Associates, L.L.C. understand the individual needs of a homeowner seeking appraisal services. While our typical 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
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Dougherty & Associates, L.L.C., are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value report than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting 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 amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Dougherty & Associates, L.L.C., we're veterans in helping consumers just like you do away with unneeded and unwanted PMI insurance.
Challenging Bergen County's assessment of your property
Your local tax assessor may have your house overvalued if your home is not appreciating as much as other homes close to yours. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. An expert appraisal from Dougherty & Associates, L.L.C. is your #1 weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Dougherty & Associates, L.L.C. can provide you with a professional appraisal to help you reinstate your home equity line of credit.
Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for accuracy? An appraiser from Dougherty & Associates, L.L.C. can go out and check the subject and comparables in question in a field review. 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.
Do you need a retrospective review of an appraisal? Dougherty & Associates, L.L.C. can We can assist you. Even though this is usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.