Real estate appraisal services for homeowners in the city of Leominster and Worcester County
See the top seven reasons why MA homeowners use Ascension Appraisal:
Need help deciding the price of your home in or near Leominster, MA?
At Ascension Appraisal, we understand the unique needs of a homeowner in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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/Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value report than yours.
Appraisals to remove PMI
An attractive way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Ascension Appraisal, we're veterans in helping customers just like you abolish unneeded PMI insurance.
Challenging Worcester county's assessment of your property
Your local tax assessor may have your house overvalued if you live in an area that's going down or not appreciating as much as other properties close to yours. That means you are paying more taxes than you should. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Ascension Appraisal is your perfect weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Ascension Appraisal can provide you with a professional appraisal that will help you reinstate your home equity line of credit.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Ascension Appraisal offers field reviews where we'll go out and check the subject and comps. Or, if you're in a rush, we can 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 you with a a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your home.