Evergreen Appraisal Service in Fair Lawn are called upon for a variety of reasons

Each year, thousands of people in New Jersey buy, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. Even though there are an increasing number of automated home valuation processes that may appear to be more cost-effective than an appraisal, practically all lenders still need a local expert because the stakes are so high. You might think that getting a mortgage is the only reason you should get an appraisal, but there are more cases when the services of a licensed, independent real estate professional could come in handy.


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Let Evergreen Appraisal Service help you dispute your tax assessment in Bergen County

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your real estate, so if values have declined in your area, you can challenge your assessment and save money. When building your case, an appraisal from Evergreen Appraisal Service is your best evidence. At Evergreen Appraisal Service,we can assist you in disputing your tax assessment.

Let Evergreen Appraisal Service help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the real estate, most lenders ask home owners to purchase an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This additional payment is often bundled into the monthly mortgage payment and is promptly forgotten. This is bad because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI payments when the balance is paid down to 78% of the original value.

Evergreen Appraisal Service can produce a statement regarding the value of your home, and the cost of the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Evergreen Appraisal Service will help you settle a divorce with less stress

A divorce is a very traumatic ordeal for the parties involved, and it is often more complicated by the hard decision of who keeps the house. It's a good idea to order an appraisal from Evergreen Appraisal Service so both parties are completely aware of the true market value of their home, regardless of the circumstances.

The parties will have a a good idea of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Settling an estate with peace of mind

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these matters. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Relocating to or from Bergen County?

We are familiar with the stress associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information about any new sales or listings in their area that they want considered during our intensive process.

Let Evergreen Appraisal Service help you sell your home quickly at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't contingent upon the value we report, but rather they are based on our efforts to complete the appraisal.

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