Appraisal services for Newton and Sussex County homeowners

Here are the top 7 reasons why NJ homeowners hire Michael J. Ganguzza:

Find the right listing price (whether they're selling the home on their own or using an agent)
To challenge a NJ property tax assessment
Remove PMI to reduce a monthly mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
Settle an estate in NJ by determining the true market value of real estate in question

Own a house in or near Newton, NJ and need help determining the price of it?
Contact Michael J. Ganguzza.

We at Michael J. Ganguzza understand the particular needs of a customer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. Being a regular consumer that ordinarily doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Michael J. Ganguzza will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to remove PMI

A popular way to cut costs for homeowners is to get the PMI removed 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 below 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. We are experienced in helping homeowners just like you delete unneeded PMI insurance.

Challenging Sussex county's assessment of your property

Lets say you live in a local area that's going down -- your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. An appraisal from Michael J. Ganguzza is your chief 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 make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow viewpoint. Michael J. Ganguzza can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for accuracy? In a field review we'll go out and check the subject and comps. Or, if you need it in a rush, we can provide 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? Michael J. Ganguzza can help you with that. Even though this is usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.