Reasons to order an appraisal from TNC Appraisal Service, Inc.Thousands of people in New Jersey purchase, sell or refinance their home every month. Many of these transactions contain a simple line item for an appraisal. While there are a multiplying number of automated home valuation methods that may appear to be more economical than an appraisal, practically all lenders still call for a local expert because the stakes are so high. You might think that obtaining a mortgage is the only reason you should get an appraisal, but there are additional situations when the services of a certified, independent real estate professional might be beneficial. 
Dispute your tax assessment in Ocean CountyIt's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are determined by a previous assessment of your house, so if values are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At TNC Appraisal Service, Inc., we're equipped to assist you in challenging your tax assessment. PMI removal to reduce a mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the property, most lenders ask homeowners to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. More often than not, this extra payment is bundled into the monthly mortgage payment and is soon forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, TNC Appraisal Service, Inc. can provide you with a statement regarding the value of your home. The cost of the appraisal can generally be offset in little time because you'll no longer be paying the PMI. Order an appraisal from TNC Appraisal Service, Inc. Order todaySettle a divorce with fewer hang-upsA divorce is often complicated by the hard decision of who maintains the property, and it can be a particularly traumatic experience for both parties. So both parties are completely aware of the true market value of their property, it's a good idea to get an appraisal from TNC Appraisal Service, Inc., regardless of the situation. The parties will have a clearer picture of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Ascertain an accurate and fair valuation for estate liquidationThe death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We guarantee 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 affairs. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal. Move to or from Ocean County for workWe know the stress involved with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our thorough inspection. Sell your home quickly — at the right priceA professional appraisal can help you make a more informed decision when determining your selling price, whether you choose 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 depend on our efforts to finish the appraisal report and and aren't related to 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 housesstay on the market. So, seeking a professional appraisal is a trusted way to decide 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. 
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