Let N.J. REAL ESTATE APPRAISERS ,James H Crupi handle your appraisal

Thousands of people in New Jersey purchase, sell or refinance their home every year. Many of these transactions involve a simple line item for an appraisal. And even though there are a growing number of automated home valuation processes that may appear more cost-effective than an appraisal, most lenders still want a local expert because the stakes are incredibly high. But is securing a mortgage the only reason to get an appraisal? Are there also instances when the services of a licensed, independent real estate professional could be helpful? Of course.


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Let N.J. REAL ESTATE APPRAISERS ,James H Crupi help you challenge your tax assessment in Monmouth County

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your home, so if values have gone down in your area, you can challenge your assessment and save money. When building your case, an appraisal from N.J. REAL ESTATE APPRAISERS ,James H Crupi is your best evidence. At N.J. REAL ESTATE APPRAISERS ,James H Crupi,we can assist you in challenging your tax assessment.

How can you do away with PMI to lower your mortgage payment?

When the amount being loaned to the buyer is more than 80% of the actual value of the real estate, nearly all lenders ask homeowners to buy an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI installments when the balance is paid down to 78% of the original value.

N.J. REAL ESTATE APPRAISERS ,James H Crupi can produce a statement regarding the value of your home, and the price you paid for the home valuation can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the strenuous decision of who keeps the house, and it can be a particularly heartbreaking occurrence 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 N.J. REAL ESTATE APPRAISERS ,James H Crupi, regardless of the circumstances.

If the parties want to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate estate liquidation with N.J. REAL ESTATE APPRAISERS ,James H CrupiSettling an estate

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received an honest deal.

N.J. REAL ESTATE APPRAISERS ,James H Crupi can help you with relocating to or from Monmouth County

We understand the headaches associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed process, we encourage employees that are moving to provide input on the positive attributes of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.

Let N.J. REAL ESTATE APPRAISERS ,James H Crupi help you sell your home quickly at the right price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision regarding your selling price. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't contingent upon the value we report, but rather they are calculated on our efforts to finish the appraisal.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long houses are on the market. So, getting a professional appraisal is a reliable 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.