Let Ascension Appraisal take care of your appraisal needs

Year after year, thousands of people in Massachusetts purchase, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. While there are a developing number of automated home valuation processes that might seem cheaper than an appraisal, almost all lenders still need a local expert because the stakes are so high. Is obtaining a mortgage the only reason you should get an appraisal? Are there additional times when the services of a certified, independent real estate professional could be helpful? Of course.

Let Ascension Appraisal assist you in lowering your mortgage payment

Dispute your tax assessment

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a past assessment of your home, so if values have gone down in your neighborhood, you can challenge your assessment and save money. An appraisal from Ascension Appraisal is your best evidence when building your case. At Ascension Appraisal, we're capable of assisting you in appealing your tax assessment.

Get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that many lenders ask home buyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. This is bad because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Ascension Appraisal can produce a statement regarding the value of your home. The price you paid for the home valuation can generally be regained in a short amount of time because you'll no longer be paying the PMI.

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Get a clear valuation on a home take make a divorce settlement less stressful

A divorce is often complicated by the hard decision of who maintains the home, and it can be a particularly traumatic ordeal for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Ascension Appraisal so both parties are fully aware of the true market value of their home.

If the parties wish to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Ascertain a fair and accurate valuation for estate liquidation

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these affairs. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocate to or from Worcester County through an employee relocation program

Employee relocation can be a stressful event, and we understand. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered during our detailed inspection.

Close on your home promptly — for the right price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to finish the appraisal report.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted way to decide what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long homes are one the market.

Let Ascension Appraisal assist you in selling your home quickly at the right price