Appraisal services for Leominster and Worcester County homeowners
Check out the top 7 reasons why MA homeowners hire Ascension Appraisal:
Do you own a house in or near Leominster? Do you need help deciding the price of your real estate?
We at Ascension Appraisal understand the particular needs of a homeowner seeking appraisal services. Our regular business clients understand the appraisal process and the standard documents we provide. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Ascension Appraisal, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value assessment than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Ascension Appraisal is seasoned in helping people just like you dismiss unneeded and unwanted PMI insurance.
Challenge a property tax assessment
Lets say your home is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Ascension Appraisal is your perfect weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your home is close to a declining area, your lender may just make the decision 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 annoying from a cash flow point of view, but it can be damaging 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 to help you reinstate your home equity line of credit.
We Offer Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for preciseness or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Ascension Appraisal can go out and check the subject and comparables in question in a field review. If you need it immediately, 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 in the past. While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.