Attention homeowners in Staten Island and Richmond County: Get an Appraisal today!The top seven reasons New York homeowners need Zaloom Appraisal Associates, Ltd.:
We at Zaloom Appraisal Associates, Ltd. understand the special needs of a customer in need of appraisal services. Our customary business clients understand the appraisal process and the usual "products" we deliver to them. Being a consumer that most likely doesn't see an appraisal on a regular basis, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings. For Sale by Owner/Pre-Listing ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about 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 price to sell at so your house will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value estimation than yours.Challenging a property tax assessmentLet's say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. The faster 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. An appraisal from Zaloom Appraisal Associates, Ltd. is your perfect weapon when challenging your property tax assessment.Appraisals to cancel PMIA preferred way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down 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. At Zaloom Appraisal Associates, Ltd., we're experts in helping consumers just like you delete unwanted PMI insurance.Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be unsuitable from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Zaloom Appraisal Associates, Ltd. can provide you with an expert appraisal that will help you reinstate your HELOC.We Provide Field and Desktop Appraisal Review ServicesDo you need a seasoned appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you're in a rush, 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 retrospective review of any appraisal you may have had done before. Although most appraisal reviews are commissioned by lenders, homeowners suspecting they've been the victim of mortgage fraud are wise to get a second opinion. |
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