Need an appraisal in Rochester or Monroe County?
The top seven reasons New York homeowners hire Appraisal and Consulting Services:
We at Appraisal and Consulting Services understand the individual needs of a consumer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. As our client, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your house, it's often very hard to be objective about 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 very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value report than yours.
Challenge a property tax assessmentYour local tax assessor may have your home overvalued if your house not appreciating as much as other properties close to yours. That means you're probably paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Appraisal and Consulting Services is your chief weapon.
Appraisals to cancel PMIPMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Appraisal and Consulting Services, we're seasoned in helping people just like you do away with unneeded PMI insurance.
Was your HELOC recently frozen?Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be inopportune from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Appraisal and Consulting Services can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review ServicesDo you need an expert to double-check your appraisal for efficiency, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Appraisal and Consulting Services can go out and check the subject and comps in a field review. Or, if you need it ASAP, 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.
Do you need a retrospective review of an appraisal? We can help with that too. Even though most appraisal reviews are requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are wise to get a second opinion.