Reasons to order an appraisal from Ru Appraisals, LLCThousands of people in New Jersey purchase, sell or refinance their home every year. Many of these transactions include a simple line item for an appraisal. Most lenders still call in a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation systems that might seem less expensive than an appraisal. Is getting a mortgage the only reason to get an appraisal? Are there additional times when the services of a certified, independent real estate professional could be helpful? You bet. 
Contest your tax assessment in Ocean CountyIt's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your real estate, so if values are less than what they used to be in your area, you can challenge your assessment and save money. An appraisal from Ru Appraisals, LLC is your best evidence when building your case. We're equipped to assist you in disputing your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask homebuyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Most often, this additional payment is lumped into the monthly mortgage payment and is soon forgotten. This is damaging because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. Ru Appraisals, LLC can give you a statement regarding the value of your home, and the cost of the appraisal can generally be regained in little time because you'll no longer be paying the PMI. Order your appraisal from Ru Appraisals, LLC today Order todaySettle a divorce with less stressA divorce can be an especially daunting experience for both parties, and it is often more complicated by the strenuous decision of who keeps the home. So both parties are completely aware of the true market value of their property, it's a good idea to order an appraisal from Ru Appraisals, LLC, regardless of the circumstances. The parties will have a clearer picture of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Determine an accurate and fair valuation for estate liquidationThe death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal. Relocate to or from Ocean County for workWe know the headaches involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, along with information regarding any current sales or listings in their area that they want considered during our detailed inspection. Close on your home promptly — for the right priceA professional appraisal will help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price. On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long houses are one the market. 
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