Need an appraisal in Ringwood or Passaic County?

Here are the top seven reasons why NJ homeowners hire Scott Kriney Appraisals:

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

Need help deciding the value of your house in or near Ringwood, NJ?
Contact Scott Kriney Appraisals.

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

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Scott Kriney Appraisals, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to remove PMI

A preferred money saver for homeowners is to get the PMI canceled 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 is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. Scott Kriney Appraisals is seasoned in helping folks just like you dismiss unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other properties close by -- your local tax assessor may have your home overvalued. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting an expert appraisal from Scott Kriney Appraisals is your number one weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your property is near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Scott Kriney Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a 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 Scott Kriney Appraisals can go out and check the subject and comparables in a field review. Or, if you're 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.

We can also provide a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.