Attention homeowners: Real estate appraisal services for in Saratoga Springs and Saratoga County

Check out the top 7 reasons why NY homeowners order from DeSio Appraisal Service:

Find the right listing price (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 reduce their mortgage payments
Reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate

Own a home in or near Saratoga Springs, NY and need help deciding the price of it?
Contact DeSio Appraisal Service.

At DeSio Appraisal Service, we understand the special needs of a customer in need of appraisal services. While our usual business 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.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.

Need to cancel PMI?

An attractive money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. DeSio Appraisal Service is experts in helping customers just like you rid themselves of undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that is declining. This only means you're most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from DeSio Appraisal Service is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be disadvantageous 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. DeSio Appraisal Service can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for verity, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you're in a hurry, 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 a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.