Let Central Mass Appraisals take care of your appraisal

To a lot of people, an appraisal is simply one more thing in the long list of items for a home sale or refinance. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation processes that might appear more prudent than an appraisal. You might think that obtaining a mortgage is the only basis for getting an appraisal, but there are additional cases when the services of a certified, independent real estate professional might come in handy.

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Dispute your tax assessment in Worcester County

It's likely you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your house, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from Central Mass Appraisals is your best evidence. We're qualified to assist you in disputing your tax assessment.

Getting rid of your PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that most lenders ask homebuyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Oftentimes, this added payment is bundled into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to dismiss the PMI payments when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Central Mass Appraisals will give you a statement regarding the value of your home. The price you paid for the appraisal can often be regained in little time because you'll no longer be paying the PMI.

An appraisal from Central Mass Appraisals will help you settle a divorce with less stress

A divorce can be a very traumatic event for both parties, and it is often further complicated by the troublesome decision of who keeps the home. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from Central Mass Appraisals, regardless of the situation.

If the parties wish 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 received a fair evaluation.

Accurate and fair estate liquidation

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. We guarantee the maximum 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 manage these affairs. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Relocating to or from Worcester County?

Employee relocation is a real pain, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive process, we encourage relocating employees to provide input on the positive features of their property, along with information about any new sales or listings in their neighborhood that they want considered.

Don't sell out for too little or let your home stay on the market too long.

A professional appraisal will help you make a more informed decision regarding your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to perform the appraisal report and and aren't related to the sales price.

We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to determine what improvements will add value and what an applicable 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 stay on the market.