Attention homeowners in Nutley and Essex County: Need an appraisal?

The top reasons NJ homeowners call on P.G.L. Appraisals:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
To challenge a NJ property tax assessment
To cut your monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a NJ divorce, when real estate property needs to be divided
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 Nutley, NJ?
Contact P.G.L. Appraisals.

We at P.G.L. Appraisals understand the individual needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your home, 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. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. P.G.L. Appraisals is experienced in helping homeowners just like you abolish unwanted PMI insurance.

Challenge Essex county's assessment of your property

If you live in an area that is going down or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. An appraisal report from P.G.L. Appraisals is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

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. Not only can this be inopportune from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. P.G.L. Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for efficiency, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from P.G.L. Appraisals can go out and check the subject and comparables in a field review. If you're in a rush, 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? We can help with that too. Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.