Need an appraisal in Rockland or Orange Countiy?
See the top reasons New York homeowners need Molinaro Associates:
At Molinaro Associates, we understand the particular needs of a customer seeking appraisal services. Our regular business clients get the appraisal process and the customary "products" we deliver to them. But as a consumer, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your home because you most likely have an emotional attachment to it. Our professional appraisers at Molinaro Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value opinion than yours.
Challenging property tax assessmentsYour local tax assessor may have your house overvalued if you live in an area that's going down or not appreciating as much as other homes close to yours. This only means you are 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. When contesting your property tax assessment, getting an appraisal from Molinaro Associates is your best weapon.
Appraisals to cancel PMIA fashionable way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is 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 lower. We are experienced in helping customers just like you remove unneeded 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 property is near a declining area. This can be difficult and inconvenient from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Molinaro Associates can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for precision? Molinaro Associates offers field reviews where we go out and check the subject and comparables. If you need it 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 report you may have had done before. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.