Attention homeowners in Andover and Sussex County: Get an Appraisal today!

Check out the top seven reasons why NJ homeowners call on Marshall Zerner Associates:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge Sussex county's assessment of your propertyvalue
Remove PMI to lower your monthly mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a NJ divorce, where property needs to be divided
To determine the true market value of real estate in question to settle an estate

Own a home in or near Andover, NJ and need help determining the value of it?
Contact Marshall Zerner Associates.

We at Marshall Zerner Associates understand the individual needs of a homeowner in need of appraisal services. Our regular business clients are used to 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 fully understand what we do and how we document our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your house because you probably have an emotional attachment to 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 property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value assessment than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive money saver for homeowners. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experts in helping clients just like you delete undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in an area that's declining or is not appreciating as much as other properties close by. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. An appraisal report from Marshall Zerner Associates is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be annoying from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. An appraisal from Marshall Zerner Associates can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for accuracy? Marshall Zerner Associates offers field reviews where we go out and check the subject and comps. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.