Need an appraisal in Dayton or Middlesex County?

The top seven reasons why NJ homeowners order from Quality Time Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a NJ property tax assessment
  3. Remove PMI to lower a mortgage payments
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Middlesex county or NJ by determining the true market value of real estate in question

Do you own a home in or near Dayton? Do you need help determining the price of your real estate?
Contact Quality Time Appraisals.

At Quality Time Appraisals, we understand the unique needs of a homeowner looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Our professional appraisers at Quality Time Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to cancel PMI

An attractive way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Quality Time Appraisals, we're experts in helping consumers just like you delete unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close to yours. This means you are probably paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Quality Time Appraisals is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow standpoint. An expert appraisal from Quality Time Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for accuracy or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can provide 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 report? We can help you with that While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.