Attention homeowners in Commack and Suffolk County: Get an Appraisal today!

The top seven reasons NY homeowners call on John Cinque:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower their mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a NY divorce, where property needs to be divided
To determine the true market value of property in question to settle an estate in Suffolk County or the state of NY

Need help deciding the price of your home in or near Commack, NY?
Contact John Cinque.

We at John Cinque understand the special needs of a customer in need of appraisal services. While our usual 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at John Cinque, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping customers just like you do away with undesirable PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. This means you're going to pay 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. Getting an appraisal report from John Cinque is your best weapon when challenging your property tax assessment.

Was your 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 this be disadvantageous from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. John Cinque can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would prefer to have a seasoned professional double-check it for verity or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from John Cinque can go out and check the subject and comps in a field review. If you need it 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.

We can also provide a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.