Real estate appraisal services for homeowners in the city of Rahway and Union County

The top reasons New Jersey homeowners use Phil DeGregorio:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
Remove PMI to cut their mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To settle an estate in Union county or New Jersey by determining the true market value of the property in question


	Own a home in or near Rahway, New Jersey and need help determining the value of it? Contact Phil DeGregorio.

We at Phil DeGregorio understand the individual needs of a homeowner in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a consumer, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is declining or is not appreciating as much as other houses close by. That only means you're paying more taxes than you should. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Phil DeGregorio is your chief weapon.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping consumers just like you rid yourselves of unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be inopportune from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Phil DeGregorio can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Phil DeGregorio can go out and check the subject and comps in a field review. If you're in a hurry, 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.

Do you need a retrospective review of an appraisal report? Phil DeGregorio can help you with that. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.