Bici Appraisals Licensed - Certified Real Estate Appraisers Providing Quality Appraisal Services Throughout New Jersey, New York And Pennsylvania . When you are in need of a quality appraisal, by qualified licensed Appraisers in New Jersey or New York, look no further. Please try us first to realize the difference a modern appraisal office can provide. BICI Appraisals is located in New Jersey and service all 21 New Jersey counties, along with bordering New York. We can accommodate all your real estate valuation and appraisal needs, for purposes of purchasing, selling, refinancing, tax assessment appeals, probate, divorce matters, bail bonds, elimination of PMI, consolidating first and second mortgages. Bici Appraisals provides appraisal and valuation services for Banks, Mortgage Companies, FHA, Individuals, Lawyers, Local, State, and the Federal Goverment. With our network of licensed staff, affiliate and associate appraisers, we can provide quality Atlantic County NJ Appraisals, Bergen County NJ Appraisals, Burlington County NJ Appraisals, Camden County NJ Appraisals, Cape May County NJ Appraisals, Cumberland County NJ Appraisals, Essex County NJ Appraisals, Gloucester County NJ Appraisals, Hudson County NJ Appraisals, Hunterdon County NJ Appraisals, Mercer County NJ Appraisals, Middlesex County NJ Appraisals, Monmouth County NJ Appraisals, Morris County NJ Appraisals, Ocean County NJ Appraisals, Passaic County NJ Appraisals, Salem County NJ Appraisals, Somerset County NJ Appraisals, Sussex County NJ Appraisals, Union County NJ Appraisals, Warren County NJ Appraisals. Within the state of New York we can provide quality, Weschester County NY Appraisals, Putnam County NY Appraisals, Staten Island NY Appraisals, Sullivan County NY Appraisals, Orange County NY Appraisals, Rockland County NY Appraisals, Bronx County NY Appraisals, Richmond County NY Appraisals, Ulster County NY Appraisals, Dutchess County NY Appraisals, King County NY Appraisals. Within the commonwealth of Pennsylvania, appraisal of real property services provided within the following counties, Berks, Bucks, Chester, Delaware, Montgomery, and Philadelphia. Again we are a leading provider of real estate valuations for the mortgage lending marketplace, and also provide private appraisals for divorce proceedings, estate appraisals, tax assessment appeal appraisals, vacant land appraisals, condominium appraisals, co-op appraisals, multifamily appraisals in New Jersey and bordering New York. With many years of experience in the business, we have a proven track record of producing quality appraisals and of reducing lenders time, efforts and costs in managing the appraisal process.
Bici Appraisals is a member of the National Association of Realtors, Liberty Board of Realtors, Staten Island Board of Realtors, and we subscribe and are members of needed and related Multiple Listing Services, to name a few, Garden State Multiple Listing Service, New Jersey Multiple Listing Service, Hudson County Multiple Listing Service, Middlesex Multiple Listing Service, Trends Multiple Listing Service, Monmouth County Multiple Listing Service, Jersey Shore Multiple Listing Service, Atlantic Multiple Listing Service, Greater Hudson Valley Multiple Listing Service, Westchester and Putnam County Multiple Listing Service, Mid Hudson Multiple Listing Service, Staten Island Multiple Listing Service, Brooklyn Multiple Listing Service, Queens Multiple Listing Service, GeoData Queens, Ulster County Multiple Listing Service, Vitalgov, Ordinance, Real-Info, CoStar, as well as other online Databases and information Services, which has helped Bici Appraisals provide quality Appraisal services throughout New Jersey and Bordering New York State. This has helped our customers greatly reduce their workload. By offering online appraisal ordering, coupled with automatic report status updates and electronic delivery of the final product, we are able to eliminate the run around and phone tag hassles associated with this process. And since this process saves us money as well, we can keep our rates competitive with anybody in the industry. 1) Short Turnaround Times 2) Highest-Quality Appraisal Reports 3) Online Status Reports 4) Electronic Ordering and Delivery 5) Competitive Pricing
Again Bici Appraisals provides quality Real Estate Appraisal services for the following counties in New Jersey. We have qualified licensed Appraisers available seven days a week to help with your valuation needs, evenings, weekends, and emergency services are available, for purposes of purchasing, selling, refinancing, tax assessment appeals, probate, divorce matters, bail bonds, elimination of PMI, consolidating first and second mortgages, consulting, review. Bici Appraisals provides appraisal and valuation services for Banks, Mortgage Companies, FHA, Individuals, Lawyers, Local, State, and Federal Goverment. Understanding loan modification and the Making Homes Affordable Program A loan modification occurs when the owner of a mortgage agrees to alter one or more of the following elements of the loan: the interest rate, term, and/or principal balance. It is important to understand who is the true “owner” of the mortgage. The institution you make your mortgage payment to is typically a servicing company. They collect payments on behalf of an investor, who has the ultimate say in whether a loan will be eligible for modification assistance. The process of how mortgages are bundled and sold is very complex, but the important thing to remember is to approach your servicing company with an open mind and patience. It also helps to research and understand the programs that are available. In March, the Department of Treasury announced the Making Homes Affordable initiative. There are two components — the Home Affordable Refinance Program (HARP) and the Home Affordable Modification Program (HAMP). HARP provides an option for homeowners who have stayed current on their mortgage to refinance and take advantage of today’s low interest rates even though values have dropped below normally accepted levels. The current guidelines allow for refinances up to 125 percent of appraised value. The investor or owner of your mortgage must be either Fannie Mae or Freddie Mac in order to qualify for this program. The more widely used program is HAMP. Any servicing company or investor is eligible to participate in this program, and there are financial incentives for each loan that is successfully modified. The goal of the program is to bring the total housing payment down to 31 percent of the gross household income. Total housing payment includes principal, interest, taxes, insurance and association dues, if applicable. It would also include private mortgage insurance if it is a part of your current mortgage payment. You must have verifiable income in order to qualify for assistance through this program. All eligible loans will enter into a 90-day trial period. You will be required to submit updated income documents at the time the trial modification is offered. If you comply with the terms of your trial modification and the income is appropriately verified, you should receive a permanent modification to your mortgage. The new payment will be achieved through the use of three options in order: 1) reduction in interest rate; 2) extension of mortgage term to a maximum of 40 years from the date of modification; 3) forbearance of principal creating a balloon payment at maturity. It is important to note that each and every file is reviewed for assistance based on income qualification and need, and everyone’s situation is different. Modification of your existing mortgage cannot be guaranteed by anyone. You should not pay for modification assistance on your primary residence loan. If you have questions about the Making Homes Affordable program, you can find more information at www.makinghomesaffordable.gov.
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This 835-Year-Old English Manor Needs Some Modern Love | ||
3/22/2023 9:38 AM | ||
Tim and Sue Soar have toiled for decades to maintain their medieval estate and not go broke. They can’t take it much longer. But will it sell...Read More | ||
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$250,000 Homes in Wisconsin, Pennsylvania and Alabama | ||
3/22/2023 7:00 AM | ||
A Craftsman bungalow in Kaukauna, a rowhouse in Philadelphia and a midcentury ranch house in Florence...Read More | ||
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In Duluth, Real Estate Collides With Climate | ||
3/22/2023 10:33 AM | ||
More Americans are uprooting their lives for safer climates. That sent one Times real estate reporter to the Upper Midwest...Read More | ||
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What’s It Like to Live in a Grocery Store? Surprisingly Comfortable. | ||
3/22/2023 9:32 AM | ||
When two artists bought the vacant building, it was ‘grim and creepy.’ Now it’s not only a home — it’s a communal arts space...Read More | ||
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How Do People Released From Prison Find Housing? | ||
3/21/2023 2:25 PM | ||
Thousands of people released from prison in New York go directly to homeless shelters...Read More | ||
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My Tenant Split Without Paying the Rent. What Are My Options? | ||
3/18/2023 9:00 AM | ||
Sometimes simply filing a lawsuit is enough to lure a person to the negotiating table. But you have to find them first...Read More | ||
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$5 Million Homes in California | ||
3/20/2023 2:19 PM | ||
A Spanish-style home in Los Angeles, a renovated 1905 bungalow in Palo Alto and a Cape Cod-style retreat in Laguna Beach...Read More | ||
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In Europe, Home Sales to Americans Are on the Rise | ||
3/20/2023 1:49 PM | ||
Home sales to Americans have increased significantly, giving them a chance to enjoy a lifestyle they could not afford in major U.S. cities, but the influx risks upsetting local residents...Read More | ||
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A Landlord Got a Low Appraisal. He Is Black, and So Are His Tenants. | ||
3/18/2023 11:50 AM | ||
The landlord says an appraiser, who is white, used unfair comparisons to assess the worth of his apartment building...Read More | ||
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Homes for Sale in Manhattan and the Bronx | ||
3/16/2023 8:00 AM | ||
This week’s homes are in Greenwich Village, Lenox Hill and on the Grand Concourse...Read More | ||
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Tiktok’s Lonely Progressive Defender: New York’s Jamaal Bowman | ||
3/22/2023 6:26 PM | ||
Representative Jamaal Bowman of New York says the drive to ban TikTok stems from anti-China “hysteria.” His Democratic colleagues disagree...Read More | ||
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Online Troll Named Microchip Tells of Sowing ‘Chaos’ in 2016 Election | ||
3/22/2023 10:11 PM | ||
The defendant in the unusual trial, Douglass Mackey, and the pseudonymous witness collaborated to beat Hillary Clinton. They met for the first time in a Brooklyn courtroom...Read More | ||
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Grand Jury Meeting on Trump Evidence Canceled, Pushing Possible Indictment | ||
3/22/2023 4:04 PM | ||
While prosecutors have signaled that an indictment of the former president is likely, its specific timing remains unclear, and grand juries conduct their work in secret...Read More | ||
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Michael Cohen’s Long Arc From Trump Ally to Chief Antagonist | ||
3/22/2023 10:14 PM | ||
He once said he would take a bullet for Donald Trump. Now, he’s hoping to help prosecutors put him away...Read More | ||
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NYC Audubon Votes to Reject Name With a Slavery Past | ||
3/22/2023 10:24 PM | ||
The association with the naturalist John James Audubon is “problematic” for a local group seeking to be more inclusive...Read More | ||
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Inside a Brooklyn School Teaching the Course That Florida Banned | ||
3/22/2023 10:24 PM | ||
Students taking the African American studies class have learned about ancient kingdoms, 20th-century movements and modern issues...Read More | ||
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Who Was Buried at Green-Wood, 1840-1937? Now It’s Easier to Find Out. | ||
3/21/2023 11:02 PM | ||
The ledgers of the famous Brooklyn cemetery are online and include some famous names, like Boss Tweed and F.A.O. Schwarz...Read More | ||
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‘Scorpion Girl’ Found Dead on Staten Island Is Identified After 31 Years | ||
3/22/2023 1:23 PM | ||
Police said a woman with a distinctive tattoo was Christine Belusko, who was beaten to death and strangled. No one knows where her daughter is...Read More | ||
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What Could Make or Break the Case Against Trump | ||
3/22/2023 1:04 PM | ||
To try to convict the former president of a felony, prosecutors might attempt to connect state election law to a federal election...Read More | ||
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In Spring, New Yorkers’ Thoughts Turn to Pickleball | ||
3/22/2023 11:02 PM | ||
Now that skating season is over, Wollman Rink in Central Park will be home to 14 courts of the fast-growing sport...Read More | ||
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