Real estate appraisal services for homeowners in the city of Old Bridge and Middlesex County

Check out the top seven reasons why NJ homeowners hire Michael Cenatiempo:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. To reduce their mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in Middlesex County or the state of NJ

Need help determining the value of your house in or near Old Bridge, NJ?
Contact Michael Cenatiempo.

We at Michael Cenatiempo understand the individual needs of a customer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a regular consumer that most likely doesn't see an appraisal on a regular basis,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

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 Michael Cenatiempo, 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 property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting 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 property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are qualified in helping consumers just like you remove unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties close to yours. This only means you're probably paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Michael Cenatiempo is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can this be unsuitable from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Michael Cenatiempo can provide you with a professional appraisal that will help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, 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 usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.