Need an appraisal in Nutley or Essex County?

Check out the top reasons NJ homeowners call on P.G.L. Appraisals:

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 property
To reduce their mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Need help deciding the value of your home in or near Nutley, NJ?
Contact P.G.L. Appraisals.

At P.G.L. Appraisals, we understand the special needs of a customer in need of appraisal services. Our typical business clients get the appraisal process and the customary documents we provide. As our client, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at P.G.L. Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home 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.

PMI Removal Appraisals

A preferred way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We are seasoned in helping homeowners just like you rid yourselves of unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The earlier 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. When challenging your property tax assessment, getting an expert appraisal from P.G.L. Appraisals is your #1 weapon.

Was your HELOC recently frozen?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. P.G.L. Appraisals can provide you with efficient appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for precision or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? P.G.L. Appraisals offers field reviews where we 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.

Do you need a retrospective review of an appraisal report? P.G.L. Appraisals can help you with that. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.