Attention homeowners in Whitesboro and Oneida County: Get an Appraisal today!
The top 7 reasons why NY homeowners hire Prumo Appraisal Service:
Do you own a house in or near Whitesboro? Do you need help deciding the value of your real estate?
We at Prumo Appraisal Service understand the individual needs of a consumer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Prumo Appraisal Service, will be objective. We 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 buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to a 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 dismiss unnecessary PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if you live in a local area that's declining. That means you're paying more taxes than you should. The sooner 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. When contesting your property tax assessment, getting an appraisal from Prumo Appraisal Service is your strongest weapon.
HELOC recently frozen?
If your home is close to a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Prumo Appraisal Service can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
We Provide Field and Desktop Appraisal Review Services
Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for verity? In a field review we will go out and check the subject and comparables in question. If you need it immediately, we'll 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 a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.