Central New York Appraisal

Well we got through another year and if you were to look outside here you would see GRASS where you would normally see lots of SNOW!!  Plus there is snow all around us with all the other areas having snow storms and a blizzard to the east.  Me I have no complaints and work is so much easier without a ton of snow.

I thought it would be good to provide you with all the zip codes we cover.  Here it goes

13032  13037  13043  13052 13054 13061 13072  13122  13123 13134 13157 13162  13163  13301  13303  13304  13308  13309 13320  13313  13314  13316  13318  13319  13321  13322  13323  13324  13328  13329  13331  13334  13338  13340  13341  13346  13350  13352  13354  13355  13357  13361  13362  13363  13364  13365  13401  13403  13402  13406  13407  13408  13409  13413  13416  13417  13418  13420  13421  13424  13425  13431  13435  13438  13440  13441  13442  13449  13454  13455  13456  13461  13465  13469  13471  13472  13475  13476  13477  13478  13479  13480  13483  13484  13485  13486  13490  13491  13492  13494  13495  13501  13502  13503  13504  13505  13599 

Tomorrow I will try to provide all the towns, cities and villages that correspond with these zips.

Thanks

Joyce

Please be advised that we cover Oneida, Herkimer, Madison and Otsego counties in the Central New York State area. 

I don't know if this is true in other parts of the country but in central new york many areas have mailing addresses that do not match the towns that the properties are in.  For example I live in the town of new Hartford but I have a Utica mailing address,  the towns of Deerfield and Marcy have areas that also have Utica mailing addresses.  Additionally the Whitesboro school district includes many parts of Marcy, Deerfield and parts of Schuyler which is in the county of Herkimer while all the others are in the county of Oneida.   This is confusing for lenders who often send us orders based on the mailing address not the actual town.  It is easily explained in the appraisal report but is just one more thing that we have to remember to do. 

I know its been a long time but things are really crazy - more business right now than I can handle - it will change soon I am sure but I do like to keep my customers happy which is tricky right now.  I have clients who give me steady work even when things are bad but I also have clients who pay up to $100 more for an appraisal right now - I want to encourage those clients without loosing the steady clients - not an easy job right now. 

The good news for the general economy is that I am getting lots of orders for purchases not just refinances - that is great.  TAlk to you next month.  Joyce

Dear Bloggers

All of us involved in the Mortgage business are a little overwhelmed right now.  I had one Department manager tell me this week that in over 20 years in the business she has never seen it be so crazy.  I agree its insane and I've had to tell some very valued clients that I am unable to provide the quick service they have come to expect.  Keeping clients happy is my number one goal.  I'll be working through the weekend to catch up but I do plan to take some time to plant flowers and visit the resting places of those dear to me who have passed on.  I hope you will all be able to do this also. 

Happy Memorial day to all my clients who service Oneida, Herkimer, Madison and Onondaga county!  Thank you for your patience in this very busy time. 

Joyce

Dear Bloggers,

Occasionally I will receive a request for an appraisal because someone is shopping around for a mortgage loan and they want the appraisal done in advance in order to save time in the loan process. 

This is not a good idea because lenders will either have a list of appraisers they use and will pick from that list or they will utilize a service that provides appraisers for them or in rare instances they will ask the borrower to get their own. 

At any rate you don't want to pay for an appraisal and then find out that the lender won't accept it so you should choose your lender first. 

Have a good weekend!

Joyce