Need an appraisal in Cortland or Cortland County?

Check out the top 7 reasons NY homeowners hire Gene Egan:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Cortland county's assessment of your property
  3. To cut a monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a NY divorce, where real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate

Do you own a house in or near Cortland? Do you need help determining the value of your real estate?
Contact Gene Egan.

We at Gene Egan understand the individual needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. But as a consumer,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Gene Egan are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get 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 is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. We are seasoned in helping customers just like you rid yourselves of unneeded PMI insurance.

Challenge Cortland county's assessment of your property

If you live in a region that is declining or not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. This only means you're most likely paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Gene Egan is your chief weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. An expert appraisal from Gene Egan can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would like to have a seasoned appraiser double-check it for precision or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you're in a rush, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help you with that While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.