Need an appraisal in Haddonfield or Camden County?

The top seven reasons why NJ homeowners use Joseph Mignone:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To lower their mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in NJ

Own a house in or near Haddonfield, NJ and need help determining the price of it?
Contact Joseph Mignone.

At Joseph Mignone, we understand the special needs of a consumer 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 (FSBO)

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Joseph Mignone will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Joseph Mignone is experts in helping consumers just like you rid yourselves of unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other houses close to yours. This means you are paying higher taxes than you should be paying. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Joseph Mignone is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

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 home is in a declining area. Not only can this be annoying from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Joseph Mignone can help you reinstate your home equity line of credit with a professional appraisal.

We Provide Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you're in a rush, we'll 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 report? Joseph Mignone can help with that too. While typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.