Need an appraisal in North Babylon or Suffolk County?The top seven reasons New York homeowners need AC Appraisal International Ltd.:
At AC Appraisal International, Ltd., we understand the particular needs of a consumer in need of appraisal services. Our typical business clients are used to the appraisal process and the customary reporting formats. But as a consumer, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis. Pre-listing Services/For Sale by OwnerIt's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at AC Appraisal Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Potential buyers know that 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 Tax AssessmentIf you live in a local area that is declining or is not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. An appraisal from AC Appraisal International, Ltd. is your #1 weapon when contesting your property tax assessment.
Need to cancel PMI?Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At AC Appraisal International, Ltd., we're experienced in helping clients just like you dismiss unwanted PMI insurance.HELOC recently frozen?Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be troublesome from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. AC Appraisal International, Ltd. can provide you with efficient appraisal to help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you would wish to have an expert double-check it for verity or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from AC Appraisal International, Ltd. can go out and check the subject and comps in question in a field review. Or, if you need it 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 report you may have had in the past. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.
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