Need an appraisal in Amsterdam or Saratoga County?

Check out the top seven reasons NY homeowners hire Capital Appraisers:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a NY property tax assessment
  3. Remove PMI to lower a monthly mortgage payment
  4. To reinstate their 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. To settle an estate in Saratoga county or NY by determining the true market value of real estate in question

Do you own a house in or near Amsterdam? Do you need help determining the value of your real estate?
Contact Capital Appraisers.

At Capital Appraisers, we understand the individual needs of a consumer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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/Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Capital Appraisers 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 price to sell at so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're seasoned in helping folks just like you rid yourselves of unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining or not appreciating as much as other houses close by. This means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting an appraisal from Capital Appraisers is your #1 weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be inconvenient from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Capital Appraisers can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would prefer to have a professional double-check it for preciseness or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Capital Appraisers offers field reviews where we go out and check the subject and comps. If you're in a hurry, 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.

Do you need a retrospective review of an appraisal? Capital Appraisers can help with that too. Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.