Attention homeowners in Bloomington and Ulster County: Need an appraisal?

Check out the top reasons New York homeowners need Bruce A. Constantino:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
To reduce a monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
Settle an estate in New York by determining the true market value of real estate


	Need help determining the price of your home in or near Bloomington, New York? Contact Bruce A. Constantino.

We at Bruce A. Constantino understand the individual needs of a customer in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 of your emotional attachment to it. Professional appraisers, like the ones at Bruce A. Constantino, are 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 interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value assessment than yours.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if your house not appreciating as much as other houses close to yours. That only means you're most likely paying 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 off you'll be. Getting an appraisal report from Bruce A. Constantino is your best weapon when contesting your property tax assessment.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experienced in helping customers just like you rid yourselves of unneeded PMI insurance.

HELOC recently frozen?

If your property is in or near a declining area, your lender may 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 detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. Bruce A. Constantino can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for accuracy? Bruce A. Constantino offers field reviews where we'll go out and check the subject and comps in question. 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 report? Bruce A. Constantino can help you with that. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.