Appraisal services for Egg Harbor Township and Atlantic County homeowners

Here are the top seven reasons why New Jersey homeowners call on Maria Shelton:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
Remove PMI to lower their mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in New Jersey by determining the true market value of the real estate in question


	Need help deciding the value of your house in or near Egg Harbor Township, New Jersey? Contact Maria Shelton.

We at Maria Shelton understand the special needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services

Since you have an emotional attachment to your own 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 selling price so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value opinion than yours.

Challenge Tax Assessment

Let's say your home is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. The quicker you take care of things 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 appraisal report from Maria Shelton is your best weapon.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount 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 Maria Shelton, we're qualified in helping clients just like you do away with unnecessary PMI insurance.

Was your HELOC recently frozen?

If your property is in a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be inopportune from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An appraisal from Maria Shelton can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd wish to have a seasoned professional double-check it for efficiency or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Maria Shelton can go out and check the subject and comps in question in a field review. If you're in a hurry, 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? We can assist you. While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.