Appraisal services for Kearny and Hudson County homeowners

See the top seven reasons NJ homeowners use Theresa Misyak, SCRREA:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower their monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a NJ divorce, where real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate

Do you own a house in or near Kearny? Do you need help deciding the value of your real estate?
Contact Theresa Misyak, SCRREA.

We at Theresa Misyak, SCRREA understand the unique needs of a homeowner looking for appraisal services. Our customary business clients are used to the appraisal process and the standard "products" we deliver to them. Being a regular person not in the real estate industry that probably doesn't look at appraisals every day,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

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. 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 important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. At Theresa Misyak, SCRREA, we're veterans in helping folks just like you abolish unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses nearby. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting an appraisal from Theresa Misyak, SCRREA is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. Not only can this be disadvantageous from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Theresa Misyak, SCRREA can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for precision, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. 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 you with that While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.