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

See the top seven reasons why NJ homeowners hire John McCarty:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge a NJ property tax assessment
To lower your monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in NJ by determining the true market value of property in question

Need help determining the price of your house in or near Chatham, NJ?
Contact John McCarty.

At John McCarty, we understand the particular needs of a consumer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Professional appraisers, like the ones at John McCarty, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value assessment than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. John McCarty is qualified in helping folks just like you delete unneeded and unwanted PMI insurance.

Challenging Morris county's assessment of your property

Your local tax assessor may have your house overvalued if your house not appreciating as much as other homes close to yours. That only means you are most likely paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from John McCarty is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be unsuitable from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. John McCarty can help you reinstate your home equity line of credit with an expert appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for preciseness? In a field review we'll go out and check the subject and comps. If you need it immediately, 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 a retrospective review of any appraisal you may have in your possession. Even though this is usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.