Attention homeowners in Allegany and Cattaraugus County: Get an Appraisal today!

The top seven reasons why NY homeowners use KLM Appraisals:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
To challenge a NY property tax assessment
To lower their mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a NY divorce, when property needs to be divided
To settle an estate in NY by determining the true market value of property in question

Own a house in or near Allegany, NY and need help deciding the value of it?
Contact KLM Appraisals.

We at KLM Appraisals understand the individual needs of a customer after appraisal services. While our usual 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your house because you probably 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 price to sell at so your house will attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We are experts in helping customers just like you get rid of unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other houses close by. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from KLM Appraisals is your perfect weapon.

Was your HELOC recently frozen?

Your lender might make the decision 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. This can this be annoying from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from KLM Appraisals can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would like to have a seasoned expert double-check it for accuracy or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from KLM Appraisals can go out and check the subject and comparables in a field review. Or, if you need it in a rush, 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.

Do you need a retrospective review of an appraisal? KLM Appraisals can help with that too. Even though this is typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.