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Let JAMES HENRY CRUPI LLC. serve your appraisal needs

Thousands of people in New Jersey purchase, sell or refinance their home each year. Many of these transactions consist of a simple line item for an appraisal. And even though there are a budding number of automated home valuation processes that might appear more practical than an appraisal, the majority of lenders still need a local expert because the stakes are so high. Is getting a mortgage the only reason to acquire an appraisal? Are there other instances when the services of a licensed, independent real estate professional could be helpful? You bet.

Let JAMES HENRY CRUPI LLC. assist you in lowering your mortgage payment

Dispute your tax assessment

If you are in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from JAMES HENRY CRUPI LLC. is your best evidence when building your case. We're equipped to assist you in disputing your tax assessment.

Eliminating PMI for mortgage payments

When the amount being loaned to the homeowneris more than 80% of the actual value of the home, nearly all lenders ask home owners to take out this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is soon forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, JAMES HENRY CRUPI LLC. can give you a statement regarding the value of your home. The expense of the home valuation can generally be recovered in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is often complicated by the burdensome decision of who keeps the home, and it can be a very horrible ordeal for both parties. So both parties are entirely aware of the true market value of their home, it's a good idea to order an appraisal from JAMES HENRY CRUPI LLC., regardless of the circumstances.

If the parties want to sell the home, they'll have a a good 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

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. We guarantee the maximum 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 do not have dedicated estate planners or executors to manage these matters. And since a home or other property often makes up an unequal share of the total estate value, knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocate to or from Monmouth County through an employee relocation program

We are familiar with the stress involved with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide remarks on the positive features of their property, along with information regarding any current sales or listings in their neighborhood that they want considered.

Sell your home quickly — at the right price

A professional appraisal can help you make a better educated decision regarding your selling price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal report.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesare on the market. So, obtaining a professional appraisal is a trusted way to determine 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.

Let JAMES HENRY CRUPI LLC. assist you in selling your home quickly at the right price