Real estate appraisal services for homeowners in the city of Woodbridge and Middlesex County

Here are the top seven reasons why New Jersey homeowners hire Stern & Dragoset Appraisal Group:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce a mortgage payments
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a divorce in the state of New Jersey, when property needs to be divided
  7. To settle an estate in Middlesex county or New Jersey by determining the true market value of the real estate in question
Do you own a house in or near Woodbridge? Do you need help deciding the price of your real estate? Contact Stern & Dragoset Appraisal Group.

We at Stern & Dragoset Appraisal Group understand the special needs of a customer seeking appraisal services. Our regular business clients get the appraisal process and the usual "products" we deliver to them. But as a consumer, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

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

It's very hard to be objective about your home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.

Challenge Tax Assessment

If you live in a region that is declining or is not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Stern & Dragoset Appraisal Group is your chief weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get 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 amount is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. We are experts in helping folks just like you delete unwanted PMI insurance.

HELOC recently frozen?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be negative on your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. Stern & Dragoset Appraisal Group can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for precision or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you're in a rush, 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.

Do you need a retrospective review of an appraisal report? We can assist you. Although most appraisal reviews are commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.