Attention homeowners: Real estate appraisal services for in Cortland and Cortland County
See the top 7 reasons why NY homeowners hire Bear Rock Appraisal:
Own a house in or near Cortland, NY and need help determining the value of it?
At Bear Rock Appraisal, we understand the particular needs of a consumer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a consumer that most likely doesn't look at appraisals on a regular basis,we'll be sure you get 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 Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Bear Rock Appraisal are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a potential 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 your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down 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. We're veterans in helping customers just like you remove unneeded PMI insurance.
Challenging a property tax assessment
Lets say you live in a region that's declining -- your local tax assessor may have your home overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. Getting an appraisal report from Bear Rock Appraisal is your chief weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. Bear Rock Appraisal can help you reinstate your home equity line of credit with an expert appraisal.
We Provide Field and Desktop Appraisal Review Services
Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for verity? In a field review we will go out and check the subject and comps in question. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal report? We can help you with that While usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.