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

The top seven reasons why NJ homeowners call on Trish Murphy Realty LLC:

  1. 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 lower their mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a NJ divorce, where real estate needs to be divided
  7. Settle an estate in NJ by determining the true market value of property in question

Do you own a house in or near Island Heights? Do you need help deciding the price of your real estate?
Contact Trish Murphy Realty LLC.

At Trish Murphy Realty LLC, we understand the individual needs of a homeowner seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 (FSBO)

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Trish Murphy Realty LLC, 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 interested buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI removed 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 home. In most cases you can apply to your lender to have the PMI removed from your loan. At Trish Murphy Realty LLC, we're veterans in helping consumers just like you rid themselves of unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other houses nearby. 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 report from Trish Murphy Realty LLC is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is close to a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Trish Murphy Realty LLC can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you need it ASAP, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.