Appraisal services for Clark and Union County homeowners

See the top reasons NJ homeowners call on Mid State Appraisal Group:

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

Need help deciding the value of your home in or near Clark, NJ?
Contact Mid State Appraisal Group.

We at Mid State Appraisal Group understand the particular needs of a consumer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about 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 house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan is down below 80% of the value of your house, 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. Mid State Appraisal Group is experienced in helping people just like you rid themselves of unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say you live in an area that is declining -- your local tax assessor may have your home overvalued. That means you are most likely paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Mid State Appraisal Group is your perfect weapon.

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 or near a declining area. This can this be unsuitable from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Mid State Appraisal Group can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would prefer to have a seasoned expert double-check it for preciseness or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Mid State Appraisal Group can go out and check the subject and comps in a field review. 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? Mid State Appraisal Group 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 home.