Appraisal services for Old Bridge and Middlesex County homeowners

See the top 7 reasons NJ homeowners order from Richard Ward:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge a NJ property tax assessment
To cut their mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a NJ divorce, where real estate needs to be divided
Determine the true market value of real estate in question to settle an estate in Middlesex county or NJ

Do you own a house in or near Old Bridge? Do you need help determining the price of your real estate?
Contact Richard Ward.

At Richard Ward, we understand the particular needs of a consumer after appraisal services. While our usual 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.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Richard Ward, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value report than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experienced in helping clients just like you dismiss undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's declining. This only means you're going to pay 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. Getting an expert appraisal from Richard Ward is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

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

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you'd like to have a professional double-check it for verity or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Richard Ward can go out and check the subject and comparables in a field review. If you're in a rush, we'll 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? Richard Ward can help with that too. Even though this is usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your house.