Appraisal services for Monsey and Rockland County homeowners

Here are the top 7 reasons NY homeowners order from Valley Appraisals:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
To challenge a NY property tax assessment
Remove PMI to cut a mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a NY divorce, when real estate needs to be divided
Determine the true market value of real estate in question to settle an estate

Do you own a house in or near Monsey? Do you need help deciding the value of your real estate?
Contact Valley Appraisals.

At Valley Appraisals, we understand the individual needs of a consumer looking for appraisal services. While our usual 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.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your home because you probably have an 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 very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Valley Appraisals, we're experienced in helping customers just like you do away with undesirable PMI insurance.

Challenging Rockland county's assessment of your property

Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an appraisal report from Valley Appraisals is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. An efficient appraisal from Valley Appraisals can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for preciseness? Valley Appraisals offers field reviews where we go out and check the subject and comparables in question. Or, if you need it ASAP, we can 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 you may have in your possession. Even though this is typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.