Need an appraisal in Lakewood or Ocean County?

Check out the top 7 reasons why NJ homeowners need Schubert Appraisals:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. To reduce their mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate in Ocean county or NJ

Need help determining the value of your home in or near Lakewood, NJ?
Contact Schubert Appraisals.

At Schubert Appraisals, we understand the particular needs of a consumer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about 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 price to sell at so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses 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 canceled from your loan, which will make your monthly payments go down. We're seasoned in helping folks just like you dismiss undesirable PMI insurance.

Challenge Tax Assessment

Lets say you live in a region that's going down -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. Getting an appraisal from Schubert Appraisals is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. Schubert Appraisals can provide you with efficient appraisal that will help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for accuracy? We can go out and check the subject and comps in a field review. Or, if you're in a rush, we can 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? Schubert Appraisals can We can assist you. Even though this is usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your house.