Appraisal services Covering the 10-County Capital District Area of New York State

Here are the top 7 reasons New York homeowners call on ABC-Appraisals By Colino:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)

Challenge a property tax assessment
Remove PMI to cut your mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
To settle an estate in Schenectady county or New York by determining the true market value of the property in question


	Do you own a house in or near Glenville? Do you need help deciding the price of your real estate? Contact ABC-Appraisals By Colino.

At ABC-Appraisals By Colino, we understand the individual needs of a consumer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. But as a consumer, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's market value, not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Challenge a property tax assessment

Let's say your home is not appreciating as much as other houses nearby -- your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. Getting an appraisal from ABC-Appraisals By Colino is your number one weapon when challenging your property tax assessment.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At ABC-Appraisals By Colino, we're veterans in helping consumers just like you abolish unneeded and unwanted PMI insurance.

Was your HELOC recently frozen?

Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. ABC-Appraisals By Colino can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for verity? In a field review we will go out and check the subject and comparables in question. 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 a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.