Appraisal services for Hudson and Columbia County homeowners
Here are the top 7 reasons New York homeowners hire Concra Appraisal Associates:
We at Concra Appraisal Associates understand the particular needs of a consumer in need of appraisal services. Our typical business clients understand the appraisal process and the usual documents we provide. But as a consumer, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.
Pre-listing Services/For Sale by OwnerIt's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Concra Appraisal Associates, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something concrete 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 house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.
Challenge property tax assessmentsLet's say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting an appraisal from Concra Appraisal Associates is your best weapon when challenging your property tax assessment.
Need to cancel PMI?A preferred money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Concra Appraisal Associates is qualified in helping people just like you delete unnecessary PMI insurance.
HELOC recently frozen?If your property is in or near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Concra Appraisal Associates can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Concra Appraisal Associates offers field reviews where we'll go out and check the subject and comps in question. If you're in a rush, we'll provide 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 assist you. Although most review work is requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opinion.