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

The top 7 reasons why NY homeowners need Midland Appraisal Associates, Inc.:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To lower a monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To settle an estate in NY by determining the true market value of property in question

Need help deciding the price of your house in or near East Rochester, NY?
Contact Midland Appraisal Associates, Inc..

We at Midland Appraisal Associates, Inc. understand the particular needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. Being a regular consumer that ordinarily doesn't see an appraisal every day,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

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

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Midland Appraisal Associates, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. 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 a potential buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to remove PMI?

A preferred money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're seasoned in helping homeowners just like you get rid of unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in an area that is going down. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting a professional appraisal from Midland Appraisal Associates, Inc. is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is in or near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. A professional appraisal from Midland Appraisal Associates, Inc. can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would like to have a seasoned appraiser double-check it for efficiency or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you're in a rush, we'll 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? Midland Appraisal Associates, Inc. can help with that too. Even though this is usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.