Need an appraisal in Nutley or Essex County?

The top seven reasons NJ homeowners hire John McCaffery:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge Essex county's assessment of your propertyworth
To lower their mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a NJ divorce, when property needs to be divided
To settle an estate in Essex county or NJ by determining the true market value of real estate in question

Need help deciding the price of your house in or near Nutley, NJ?
Contact John McCaffery.

At John McCaffery, we understand the special needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a homeowner that ordinarily doesn't see an appraisal every day,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at John McCaffery will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value assessment than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. At John McCaffery, we're qualified in helping clients just like you dismiss unwanted and unneeded PMI insurance.

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. That means you're most likely paying more taxes than you should. The quicker 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 expert appraisal from John McCaffery is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be annoying from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. John McCaffery can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from John McCaffery can go out and check the subject and comparables in question in a field review. If you're in a rush, we'll provide 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? John McCaffery can We can assist you. While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.