Adirondack Country Homes Realty :: Speculator Regional Office :: Speculator, NY

















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518-569-8884 PH





Copyright 1998, Adirondack Country Homes Realty, Inc.,

Licensed Real Estate Broker


Copyright 2006, In And Around The Adirondack


Copyright 2015



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Adirondack Country Homes Realty Inc. Offers Appraisal Services



Adirondack Country Homes Realty Inc. is pleased to offer its customers, Realtor colleagues, and clients, real estate appraisal services through our North Country Branch Office.  Robert "Bob" Rowe has been a New York certified appraiser for over 20+ years.  Bob has been a member of the NY State Assessors Association, as well as the NY Assessor professional level for over 10 years.


Bob notes, "With today's mortgage rates, utilizing the bank financing programs instead of cash is a much more attractive way of buying property today.  Sellers would be wise to learn more about the appraisal process, or even get their property appraised before the selling process begins to insure that their property will indeed meet, or exceed, the bank mortgage process.   We had several failed real estate sales because the bank didn't agree with the seller's and buyer's negotiated price."


The US has been pulling out of the recession slowly and banks are now more conservative than the post-recession times.   Gone are the "no-doc' loans, easy money programs, and quick loan programs.  Today's mortgage lenders are methodical and approach each loan with strict guidelines to insure that  they have the ability to resell those mortgages to the secondary market.  Most of the conventional loans are resold.  Therefore, today's mortgage loans must fit within the Fannie Mae/Mac's criteria.  


What does this mean to the consumer?  It is ever more important today, to price a home within the range of what a home will appraise when a buyer is using bank financing. 


The conventional CMA (Comparable Market Analysis) is still a helpful tool in understanding the market swings; but an appraisal will pin point what the bank will actually loan against the value of the property.  Realtors will use a CMA study to gauge the market trends and it is an excellent start when pricing your property.  Yet to insure that same property will carry a bank loan, the appraisal process is superior.  Banks are basically become the key to today's home ownership.


 CONTACT "BOB"   or:

113 Flynn's Line Road, Burke, NY 12917

(518) 483-4538