Need an appraisal in Leominster or Worcester County?
The top 7 reasons MA homeowners hire Ascension Appraisal:
Own a house in or near Leominster, MA and need help deciding the value of it?
At Ascension Appraisal, we understand the individual needs of a customer looking for appraisal services. While our typical 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.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Ascension Appraisal, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experienced in helping consumers just like you dismiss unnecessary PMI insurance.
Challenging a property tax assessment
Lets say your house is not appreciating as much as other properties close by -- your local tax assessor may have your house overvalued. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. A professional appraisal from Ascension Appraisal is your chief weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Ascension Appraisal can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you would like to have a veteran appraiser double-check it for preciseness or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you need it ASAP, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Do you need a retrospective review of an appraisal report? Ascension Appraisal can help you with that. Even though this is usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.