Attention homeowners in Kingston and Ulster County: Get an Appraisal today!
The top 7 reasons New York homeowners order from Tortorella Appraisals, Inc.:
We at Tortorella Appraisals, Inc. understand the unique needs of a homeowner in need of appraisal services. Our regular business clients are used to the appraisal process and the standard "products" we deliver to them. But as a general consumer, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your own home because of your 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. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value opinion than yours.
Challenge Ulster County's assessment of your propertyYour local tax assessor may have your house overvalued if you live in a local area that's going down or is not appreciating as much as other homes close by. That only means you are probably paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Tortorella Appraisals, Inc. is your number one weapon when contesting your property tax assessment.
PMI Removal AppraisalsGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping people just like you do away with unneeded and unwanted PMI insurance.
Was your HELOC recently frozen?Your lender just might 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 negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Tortorella Appraisals, Inc. can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review ServicesWould you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for efficiency? Tortorella Appraisals, Inc. offers field reviews where we go out and check the subject and comparables in question. Or, if you're 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.
We can also provide you with a retrospective review of any appraisal you may have had in the past. Although most review work is commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.