Attention homeowners: Real estate appraisal services for in Schenectady and Schenectady County

The top 7 reasons why NY homeowners call on Faith Adamec:

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

Do you own a house in or near Schenectady? Do you need help determining the price of your real estate?
Contact Faith Adamec.

At Faith Adamec, we understand the special needs of a consumer seeking appraisal services. Our customary business clients are used to the appraisal process and the standard reporting formats. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. The professional appraisers at Faith Adamec will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. 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 your lender to have the PMI removed from your loan. We are seasoned in helping folks just like you delete unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that's going down. That only means you are paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Faith Adamec is your chief weapon.

HELOC recently frozen?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Faith Adamec can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for verity? In a field review we'll go out and check the subject and comparables. If you need it ASAP, 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 make use of this service if you suspect mortgage fraud related to your property.