Appraisal services for Leominster and Worcester County homeowners
The top 7 reasons MA homeowners need Ascension Appraisal:
Own a house in or near Leominster, MA and need help deciding the value of it?
At Ascension Appraisal, we understand the unique needs of a homeowner seeking 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 (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Ascension Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value assessment than yours.
Appraisals to remove PMI
A preferred way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're experts in helping homeowners just like you get rid of unneeded PMI insurance.
Challenge property tax assessments
Lets say you live in a region that's declining -- your local tax assessor may have your house overvalued. This only means you're probably paying higher taxes than you should be paying. The quicker 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. Getting an appraisal report from Ascension Appraisal is your number one weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Ascension Appraisal can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you would wish to have a professional double-check it for efficiency or do you need 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 comparables. If you're in a rush, we'll 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 you may have had done before. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.