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Let JAMES HENRY CRUPI LLC. attend to your appraisal needs

Thousands of people in New Jersey purchase, sell or refinance their home every year. Many of these transactions include a simple line item for an appraisal. And even though there are a developing number of automated home valuation systems that might seem more cost-effective than an appraisal, most lenders still want a local expert because the stakes are so high. You might think that securing a mortgage is the only reason to get an appraisal, but there are other times when the services of a licensed, independent real estate professional might come in handy.

Let JAMES HENRY CRUPI LLC. assist you in lowering your mortgage payment

Challenge your tax assessment in Monmouth County

It's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your home, so if values have gone down in your area, you can appeal your assessment and save money. An appraisal from JAMES HENRY CRUPI LLC. is your best evidence when building your case. At JAMES HENRY CRUPI LLC., we're capable of assisting you in disputing your tax assessment.

Eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that nearly all lenders ask buyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the home. Since the additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is bad because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

JAMES HENRY CRUPI LLC. will give you a statement regarding the value of your home, and the expense of the home valuation can usually be regained in a short amount of time because you'll no longer be paying the PMI.

Order your appraisal from JAMES HENRY CRUPI LLC. today

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Settle a divorce with less stress

A divorce can be a very traumatic event for both parties, and it is often further complicated by the difficult decision of who keeps the home. Regardless of the circumstances, it's a good idea to order an appraisal from JAMES HENRY CRUPI LLC. so both parties are completely aware of the true market value of their property.

If the parties need to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Ascertain an accurate and fair valuation for estate liquidation

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the utmost degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Move to or from Monmouth County through an employee relocation program

Employee relocation can be a stressful event, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information regarding any new sales or listings in their area that they want considered during our detailed inspection.

Sell your home promptly — at the right price

A professional appraisal will help you make a more informed decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long propertiesare on the market. So, seeking a professional appraisal is a trusted way to decide what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.

Let JAMES HENRY CRUPI LLC. assist you in selling your home quickly at the right price