Appraisal services for Mc Graw and Cortland County homeowners

See the top reasons NY homeowners order from Fernandes Appraisal, LLC:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a NY property tax assessment
  3. Remove PMI to reduce their mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Settle an estate in NY by determining the true market value of real estate in question

Own a house in or near Mc Graw, NY and need help determining the price of it?
Contact Fernandes Appraisal, LLC.

We at Fernandes Appraisal, LLC understand the individual needs of a consumer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For Sale By Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your own home because of your emotional attachment to it. The professional appraisers at Fernandes Appraisal, LLC will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value judgement than yours.

PMI Removal Appraisals

A popular way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your property, 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 experienced in helping folks just like you remove unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting a professional appraisal from Fernandes Appraisal, LLC is your #1 weapon.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Fernandes Appraisal, LLC can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have in your possession. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.