Real estate appraisal services for homeowners in the city of Guilderland and Albany County
Here are the top 7 reasons New York homeowners order from Shattuck Appraisal:
We at Shattuck Appraisal understand the particular needs of a consumer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a person not in the real estate business that ordinarily doesn't see an appraisal every day, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your own home because you most likely have an 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 very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's market value, not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value report than yours.
Challenging a property tax assessmentYour local tax assessor may have your home overvalued if you live in an area that is declining. This only means you're probably paying higher taxes than you should be paying. The earlier 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. Getting an expert appraisal from Shattuck Appraisal is your number one weapon when contesting your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're veterans in helping homeowners just like you get rid of unwanted PMI insurance.
HELOC recently frozen?Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be annoying from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. Shattuck Appraisal can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you would wish to have a seasoned expert double-check it for verity or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Shattuck Appraisal can go out and check the subject and comps in a field review. Or, if you need it in a rush, 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? Shattuck Appraisal can help you with that. Even though most appraisal reviews are requested by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.