Reasons to choose an appraisal from Ascension Appraisal

To a lot of people, an appraisal just looks like one more thing on the break-sheet for a mortgage or refinance. The majority of lenders still need a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation processes that may appear to be more practical than an appraisal. You might believe that obtaining a mortgage is the only reason to acquire an appraisal, but there are other cases when the services of a certified, independent real estate professional might come in handy.

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Appeal your tax assessment

It's probable you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your home, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We're equipped to assist you in challenging your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask home buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. This extra payment is often folded into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

Ascension Appraisal will produce a statement regarding the value of your home, and the cost of the home valuation can usually be regained in a short amount of time because you'll no longer be paying the PMI.

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Get a fair valuation on a home for divorce settlements

A divorce can be a particularly daunting experience for both parties, and it is often more complicated by the strenuous decision of who gets the property. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from Ascension Appraisal, regardless of the situation.

The parties will have a better idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation

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

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to manage these issues. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocate to or from Worcester County for work

We understand the stress associated with an employee relocation. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any new sales or listings in their area that they want considered.

Sell your home promptly — at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision regarding your asking price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.

On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, getting a professional appraisal is a reliable 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.

Let Ascension Appraisal help you sell your home quickly at the right price