Attention homeowners in Lockport and Niagara County: Get an Appraisal today!
The top seven reasons why New York homeowners hire ERBES APPRAISALS, INC.:
At ERBES APPRAISALS, INC., we understand the unique needs of a homeowner seeking appraisal services. Our usual business clients get the appraisal process and the usual "products" we deliver to them. Being a regular person not in the real estate industry that most likely doesn't look at appraisals on a regular basis, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at ERBES APPRAISALS, INC. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value estimation than yours.
Challenging Niagara County's assessment of your propertyYour local tax assessor may have your house overvalued if your home not appreciating as much as other homes nearby. This means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal report from ERBES APPRAISALS, INC. is your chief weapon.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experienced in helping consumers just like you delete unneeded and unwanted PMI insurance.
Recently got a freeze to your HELOC?Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be harmful to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. A professional appraisal from ERBES APPRAISALS, INC. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Do you need a professional to double-check your appraisal for efficiency, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? ERBES APPRAISALS, INC. offers field reviews where we go out and check the subject and comps in question. If you're in a hurry, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.
Do you need a retrospective review of an appraisal? We can assist you. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.