Appraisal services for Piscataway and Middlesex County homeowners

Here are the top 7 reasons NJ homeowners need Whittaker Realty Appraisals:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. To lower a mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a NJ divorce, when property needs to be divided
  7. Determine the true market value of property in question to settle an estate

Own a home in or near Piscataway, NJ and need help determining the price of it?
Contact Whittaker Realty Appraisals.

At Whittaker Realty Appraisals, we understand the special needs of a homeowner looking for appraisal services. While our typical 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.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about 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 many interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get 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 property. In most cases you can apply to your lender to have the PMI canceled from your loan. We are experts in helping folks just like you abolish undesirable PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. This only means you are 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. When challenging your property tax assessment, getting a professional appraisal from Whittaker Realty Appraisals is your best weapon.

Was your HELOC recently frozen?

If your house is in or near a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Whittaker Realty Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for precision, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it in a rush, we'll 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 report? Whittaker Realty Appraisals can help with that too. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.