Let Ascension Appraisal handle your appraisal needsTo a lot of people, an appraisal is simply another fee in the long list of items for a home purchase or refinance. And even though there are an increasing number of automated home valuation processes that may appear less expensive than an appraisal, practically all lenders still call in a local expert because the stakes are very high. You might think that obtaining a mortgage is the only basis for getting an appraisal, but there are additional situations when the services of a licensed, independent real estate professional might come in handy. 
Dispute your tax assessment in Worcester CountyIf you live in an area where the property value has depreciated, it's possible you're paying too much in property taxes. 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. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the home, almost all lenders ask buyers to purchase this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is damaging because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met. Ascension Appraisal can produce a statement regarding the value of your home, and the expense of the home valuation can generally be regained in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from Ascension Appraisal today Order todayDivorce settlement with fewer hang-upsA divorce can be a particularly traumatic event for both parties, and it is often even more complicated by the challenging decision of who gets the home. It's a good idea to get an appraisal from Ascension Appraisal so both parties are completely aware of the true market value of their property, regardless of the situation. If the parties want to sell the home, they'll have a a good idea 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 evaluation. Accurate and fair estate liquidationThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion. 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 gotten an honest deal. Relocate to or from Worcester County through an employee relocation programWe are aware of the headaches involved with an employee relocation. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide feedback on the positive features of their property, as well as information about any current sales or listings in their area that they want considered. Sell your home promptly — for the right priceWhether you want 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 when determining 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 are calculated on our efforts to finish the appraisal report. On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesstay 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. 
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