Real estate appraisal services for homeowners in the city of Leominster and Worcester County
The top reasons MA homeowners hire Ascension Appraisal:
Need help determining the value of your house in or near Leominster, MA?
We at Ascension Appraisal understand the special needs of a consumer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Ascension Appraisal 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 selling price so your house will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much 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 experienced appraiser's value assessment than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are seasoned in helping clients just like you get rid of unwanted and unneeded PMI insurance.
Challenge Worcester county's assessment of your property
Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. That means you are going to pay more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Ascension Appraisal is your number one weapon.
HELOC recently frozen?
If your home is in or near a declining area, your lender might decide 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 angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Ascension Appraisal can provide you with an expert appraisal that will help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for precision, or do you want 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 in question. If you need it ASAP, we'll 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 you may have had done before. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.