Attention homeowners in Whiting and Ocean County: Need an appraisal?

Here are the top 7 reasons why NJ homeowners call on Ru Appraisals, LLC:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To reduce your mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a NJ divorce, where real estate needs to be divided
  7. To settle an estate in NJ by determining the true market value of property in question

Do you own a house in or near Whiting? Do you need help determining the value of your real estate?
Contact Ru Appraisals, LLC.

We at Ru Appraisals, LLC understand the special needs of a customer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Ru Appraisals, LLC, will be objective. We'll 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 interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Need to remove PMI?

A fashionable way to save money 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 less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We are qualified in helping folks just like you get rid of unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from Ru Appraisals, LLC is your perfect weapon.

Was your HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can this be inconvenient from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Ru Appraisals, LLC can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for accuracy, 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 comps in question. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.

Today's Rates

Mtg Loan Rate APR
30-yr Fixed 4.55% 4.7%
15-yr Fixed 4.01% 4.22%
1-yr Adj 2.76% 3.42%
* national averages