Attention homeowners: Real estate appraisal services for in Montville and Morris County

Here are the top seven reasons why NJ homeowners use LCM Associates, LLC:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To reduce your mortgage payments 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
To determine the true market value of property in question to settle an estate in Morris County or the state of NJ

Own a house in or near Montville, NJ and need help determining the value of it?
Contact LCM Associates, LLC.

We at LCM Associates, LLC understand the individual needs of a homeowner looking for appraisal services. Our typical business clients are used to the appraisal process and the customary "products" we deliver to them. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report 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. Our professional appraisers at LCM Associates, LLC are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. We're seasoned in helping homeowners just like you rid yourselves of unnecessary PMI insurance.

Challenging property tax assessments

If you live in a local area that is going down or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. The earlier 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. An appraisal from LCM Associates, LLC is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. LCM Associates, LLC can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would like to have a seasoned expert double-check it for verity or do you need 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 comps in question in a field review. If you need it ASAP, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.