Reasons someone would use the services of Bruce A. Constantino

To many, an appraisal just looks like a line item on the break-sheet for a home purchase or refinance. Practically all lenders still want a local expert because the stakes are so high, even though there are a growing number of automated home valuation methods that might appear to be more prudent than an appraisal. You might assume that securing a mortgage is the only reason you should get an appraisal, but there are other situations when the services of a certified, independent real estate professional might come in handy.


	For real estate appraisals in Bloomington and Ulster County, it's easiest when your order online from Bruce A. Constantino, just click here.

Let Bruce A. Constantino help you dispute your tax assessment in Ulster County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Bruce A. Constantino is your best evidence when building your case. At Bruce A. Constantino, we're capable of assisting you in appealing your tax assessment.

Bruce A. Constantino can help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the buyer is more than 80% of the actual value of the real estate, almost all lenders ask homebuyers to buy an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to remove the PMI payments when the balance is paid down to 78% of the original value.

If you'd like to get rid of PMI, Bruce A. Constantino will give you a statement regarding the value of your home. The price you paid for the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a very daunting ordeal for both parties, and it is often further complicated by the burdensome decision of who gets the property. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from Bruce A. Constantino, regardless of the situation.

The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Accurate and fair estate liquidation with Bruce A. ConstantinoSettling an estate

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these issues. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Let Bruce A. Constantino help you with relocating to or from Ulster County

Moving due to a job change is a stressful event. We know where you're coming from! That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we recommend relocating employees to provide input on the positive attributes of their property, along with information regarding any current sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from Bruce A. Constantino

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't a percentage of the sales price, but rather they depend on our efforts to finish the appraisal.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties stay on the market. So, obtaining a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market for an extended amount of time.