Attention homeowners in Arcade and Wyoming County: Get an Appraisal today!

See the top 7 reasons NY homeowners call on Donna Schiener Appraiser:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Wyoming county's assessment of your property
  3. Remove PMI to reduce their monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a NY divorce, when real estate property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate

Need help determining the price of your home in or near Arcade, NY?
Contact Donna Schiener Appraiser.

At Donna Schiener Appraiser, we understand the particular needs of a consumer seeking appraisal services. Our customary business clients are used to the appraisal process and the standard documents we provide. Being a regular person not in the real estate field that probably doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because you most likely 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. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan amount is less than 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 experts in helping folks just like you delete unwanted PMI insurance.

Challenge Tax Assessment

Lets say you live in a region that is declining -- your local tax assessor may have your house overvalued. That only means you're 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 off you'll be. Getting an appraisal report from Donna Schiener Appraiser is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your home is in or near a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult and 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. A professional appraisal from Donna Schiener Appraiser can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for efficiency? In a field review we will go out and check the subject and comparables. Or, if you're in a hurry, we can provide 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 report? Donna Schiener Appraiser can We can assist you. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.