Attention homeowners in Hackettstown and Morris County: Need an appraisal?

Here are the top reasons NJ homeowners use On Time Appraisals:

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

Do you own a home in or near Hackettstown? Do you need help deciding the price of your real estate?
Contact On Time Appraisals.

At On Time Appraisals, we understand the particular needs of a homeowner in need of appraisal services. While our usual 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.

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

It's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at On Time 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 very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your house 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.

Appraisals to cancel PMI

An attractive way to save money for homeowners is getting the PMI canceled 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 amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. At On Time Appraisals, we're veterans in helping homeowners just like you rid themselves of unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that's declining or is not appreciating as much as other homes close by. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. Getting an appraisal from On Time Appraisals is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. On Time Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would like to have a seasoned expert double-check it for precision or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from On Time Appraisals can go out and check the subject and comparables in question in a field review. If you need it in a rush, 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.

We can also provide you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.