Attention homeowners: Real estate appraisal services for in Cape May and Cape May County

The top seven reasons why New Jersey homeowners call on James M. Hanson Associates, Inc.:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. To lower a mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a divorce in the state of New Jersey, where property needs to be divided
  7. To determine the true market value of real estate to settle an estate
Own a home in or near Cape May, New Jersey and need help deciding the value of it? Contact James M. Hanson Associates, Inc..

At James M. Hanson Associates, Inc., we understand the unique needs of a homeowner seeking appraisal services. Our usual business clients get the appraisal process and the standard documents we provide. As our non-traditional client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

Pre-listing Services/For Sale by Owner (FSBO)

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at James M. Hanson Associates, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value judgement than yours.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other houses nearby. This only means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. An expert appraisal from James M. Hanson Associates, Inc. is your strongest weapon when challenging your property tax assessment.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We are veterans in helping homeowners just like you delete undesirable PMI insurance.

HELOC recently frozen?

If your house is in a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. A professional appraisal from James M. Hanson Associates, Inc. can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd wish to have a seasoned expert double-check it for preciseness or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from James M. Hanson Associates, Inc. can go out and check the subject and comps in question 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? James M. Hanson Associates, Inc. can help you with that. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.