Attention homeowners in Neptune and Monmouth County: Need an appraisal?

See the top seven reasons NJ homeowners need David Lecomte Appraisals (732) 614-0690:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge Monmouth county's assessment of your propertyvalue
  3. Remove PMI to reduce a mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in NJ by determining the true market value of property in question

Own a house in or near Neptune, NJ and need help determining the price of it?
Contact David Lecomte Appraisals (732) 614-0690.

We at David Lecomte Appraisals (732) 614-0690 understand the unique needs of a consumer looking for appraisal services. Our typical business clients understand the appraisal process and the customary reporting formats. Being a regular consumer that probably doesn't look at appraisals every day,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

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. 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 price to sell at so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value opinion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. We're qualified in helping homeowners just like you dismiss unnecessary PMI insurance.

Challenge Monmouth county's assessment of your property

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from David Lecomte Appraisals (732) 614-0690 is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. 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 point of view. David Lecomte Appraisals (732) 614-0690 can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for verity? David Lecomte Appraisals (732) 614-0690 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 you with that Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.