Attention homeowners in Mayville and Chautauqua County: Need an appraisal?

The top seven reasons why NY homeowners use Holt Associates:

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

Do you own a house in or near Mayville? Do you need help deciding the value of your real estate?
Contact Holt Associates.

We at Holt Associates understand the individual needs of a consumer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Holt Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your house is worth. Interested buyers know that 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.

Need to cancel PMI?

A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping customers just like you delete unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that is declining or is not appreciating as much as other homes close to yours. That means you're probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Holt Associates is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is close to a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Holt Associates can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for efficiency? An appraiser from Holt Associates can go out and check the subject and comps in question in a field review. 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.

We can also provide you with a a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.