Reasons to order an appraisal from Ascension AppraisalThousands of people in Massachusetts buy, sell or refinance their home each year. Many of these transactions include a simple line item for an appraisal. And while there are a growing number of automated home valuation methods that may seem more cost-effective than an appraisal, almost all lenders still want a local expert because the stakes are very high. Is obtaining a mortgage the only reason to get an appraisal? Are there other instances when the services of a certified, independent real estate professional might be helpful? You bet there are. 
Dispute your tax assessment in Worcester CountyIt's probable you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are determined by a past assessment of your house, so if prices have gone down in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At Ascension Appraisal, we're equipped to assist you in challenging your tax assessment. Eliminating PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is an extra insurance policy that most lenders ask buyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the home. Very often, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met. Ascension Appraisal will provide you with a statement regarding the value of your home, and the cost of the home valuation can usually be offset in little time because you'll no longer be paying the PMI. Order an appraisal from Ascension Appraisal Order onlineDivorce settlement with fewer hang-upsA divorce is an especially traumatic ordeal for the parties involved, and it is often even more complicated by the difficult decision of who gets the home. Regardless of the situation, it's a good idea to get an appraisal from Ascension Appraisal so both parties are entirely aware of the true market value of their home. If the parties need to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Ascertain an accurate and fair valuation for estate liquidationThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. We ensure the fullest 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 do not have dedicated estate planners or executors to handle these matters. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal. Move to or from Worcester County for workEmployee relocation is a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered during our intensive inspection. Sell your home quickly — at an accurate priceA professional appraisal will help you make a more informed 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 amount the house sells for. Our fees aren't related to the sales price, but rather they are calculated on our efforts to finish the appraisal report. On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. Getting 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 houses are one the market. 
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