Joseph J. Perna, R.E.A. Joseph Perna, | Certified Residential 868 Van Emburgh Avenue, , Township of Washington, NJ 07676 | www.jjperna.com/orderform/html P.201.722.0363   F.201.722.0632   E. jjperna@optonline.net We provide appraisals for Primary and Secondary Mortgages, Mortgage Refinancing, Private Mortgage Insurance Removal (PMI), Divorce Settlements, Estate Planning. Single Family, Small Income Properties (2-4 Family), Condos, Co-Ops, FHA. Short turn-around, high quality appraisal reports, competitive pricing. Countie(s) Covered: Bergen, Camden, Essex, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union, Warren Membership(s): IFA Services: Residential, Multifamily               FHA, HUD, ERC