Appraisal services for Clifton Park and Saratoga County homeowners

Here are the top 7 reasons why NY homeowners call on Vanali Associates Inc:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a NY property tax assessment
  3. To reduce your monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. If real estate 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

Own a home in or near Clifton Park, NY and need help determining the value of it?
Contact Vanali Associates Inc.

At Vanali Associates Inc, we understand the special needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. As our valued client, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

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

It's very hard to be objective about your home because of your emotional attachment to it. Our professional appraisers at Vanali Associates Inc 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 selling price so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much 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 accomplished appraiser's value judgement than yours.

Need to remove PMI?

A preferred way to cut expenses for homeowners is getting 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 is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are qualified in helping clients just like you rid themselves of unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that's going down. That means you're going to pay 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. When contesting your property tax assessment, getting an appraisal from Vanali Associates Inc is your #1 weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Vanali Associates Inc can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. 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.

Need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.