Real estate appraisal services for homeowners in the city of Watertown and Jefferson County

Here are the top seven reasons New York homeowners call on Seaway Appraisals:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
To challenge a property tax assessment in New York
To lower a mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a divorce in the state of New York, when property needs to be divided
Determine the true market value of the real estate in question to settle an estate in Jefferson county or New York


	Own a house in or near Watertown, New York and need help determining the value of it? Contact Seaway Appraisals.

At Seaway Appraisals, we understand the special needs of a homeowner looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Seaway Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's market value, not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that's going down. That only means you're probably paying more taxes than you should. 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. A professional appraisal from Seaway Appraisals is your #1 weapon when contesting your property tax assessment.

Need to cancel PMI?

A preferred way to cut expenses for homeowners is getting 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 below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. Seaway Appraisals is qualified in helping customers just like you abolish unneeded PMI insurance.

HELOC recently frozen?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Seaway Appraisals can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for preciseness, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? Seaway Appraisals offers field reviews where we'll go out and check the subject and comps. Or, if you need it immediately, we can 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? Seaway Appraisals can help you with that. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.