Appraisal services for Newark and Essex County homeowners

See the top 7 reasons why NJ homeowners need Excellent Ideas of America:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To lower your monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a NJ divorce, where real estate property needs to be divided
Determine the true market value of real estate in question to settle an estate in NJ

Own a house in or near Newark, NJ and need help determining the price of it?
Contact Excellent Ideas of America.

We at Excellent Ideas of America understand the individual needs of a consumer looking for appraisal services. Our typical business clients get the appraisal process and the usual documents we provide. Being a regular consumer that probably doesn't see an appraisal on a regular basis,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Excellent Ideas of America, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value judgement than yours.

Need to remove PMI?

A popular way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping customers just like you delete unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is going down or is not appreciating as much as other homes close by. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An appraisal from Excellent Ideas of America is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be inopportune from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. Excellent Ideas of America can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Excellent Ideas of America can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, we can provide you with a 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 report? We can help with that too. Even though this is typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your home.