Attention homeowners: Real estate appraisal services for in Lakewood and Ocean County

Check out the top seven reasons why NJ homeowners use Esther Frank:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Ocean county's assessment of your property
  3. To reduce their mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a NJ divorce, when real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Ocean county or NJ

Own a home in or near Lakewood, NJ and need help determining the value of it?
Contact Esther Frank.

We at Esther Frank understand the special needs of a customer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. Being a regular consumer that probably doesn't see an appraisal on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Esther Frank, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are qualified in helping customers just like you do away with unneeded PMI insurance.

Challenging property tax assessments

If you live in a region that is declining or is not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. That means you're most likely paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Esther Frank is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be unsuitable from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Esther Frank can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would prefer to have an expert double-check it for precision or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Esther Frank can go out and check the subject and comps in a field review. Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help with that too. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.