Need an appraisal in Endwell or Broome County?

See the top seven reasons why NY homeowners call on Binghamton Appraisals:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To cut their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a NY divorce, where property needs to be divided
  7. Settle an estate in NY by determining the true market value of property in question

Own a home in or near Endwell, NY and need help deciding the price of it?
Contact Binghamton Appraisals.

We at Binghamton Appraisals understand the particular needs of a consumer after appraisal services. While our typical 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 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. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting 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 home. In most cases you can apply to your lender to have the PMI eliminated from your loan. Binghamton Appraisals is experts in helping folks just like you do away with unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is declining or not appreciating as much as other houses close by. This means you are going to pay 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 things like this, the better. Getting an expert appraisal from Binghamton Appraisals is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow angle, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Binghamton Appraisals can provide you with an expert appraisal that will help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for precision, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Binghamton Appraisals can go out and check the subject and comps in question in a field review. If you need it immediately, 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 a retrospective review of any appraisal you may have had done before. Even though this is usually requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.