Attention homeowners in Rochester and Monroe County: Need an appraisal?

Here are the top seven reasons NY homeowners call on Port City Consultants:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To cut a mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Settle an estate in NY by determining the true market value of property in question

Need help determining the value of your house in or near Rochester, NY?
Contact Port City Consultants.

At Port City Consultants, we understand the particular needs of a consumer looking for appraisal services. Our regular business clients understand the appraisal process and the standard reporting formats. But as a consumer,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

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

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 house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping clients just like you remove unwanted PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other properties close by -- your local tax assessor may have your home overvalued. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When challenging your property tax assessment, getting a professional appraisal from Port City Consultants is your strongest weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. Port City Consultants can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would like to have a veteran appraiser double-check it for precision or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Port City Consultants offers field reviews where we'll go out and check the subject and comparables. Or, if you need it ASAP, we can 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? We can help with that too. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.