Attention homeowners in Conklin and Broome County: Need an appraisal?

Check out the top 7 reasons NY homeowners need Ryder Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower your mortgage payments
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. Settle an estate in NY by determining the true market value of real estate in question

Need help determining the value of your house in or near Conklin, NY?
Contact Ryder Appraisals.

At Ryder Appraisals, we understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Ryder Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to remove PMI

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

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that is declining or is not appreciating as much as other homes close by. This only means you're probably paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Ryder Appraisals is your perfect weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Ryder Appraisals can 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 need a second opinion without the added expense and delay of waiting for a whole new appraisal? Ryder Appraisals offers field reviews where we'll go out and check the subject and comparables in question. 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.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. Even though this is usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.