Real estate appraisal services for homeowners in the city of Thorndike and Hampden County
The top reasons Massachusetts homeowners call on Opielowski Appraisal Services:
We at Opielowski Appraisal Services understand the special needs of a homeowner seeking appraisal services. Our usual business clients understand the appraisal process and the customary reporting formats. 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 report the results of our analysis.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value opinion than yours.
Challenge Hampden County's assessment of your propertyIf you live in a region that is going down or is not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. This only means you are going to pay higher taxes than you should be paying. The quicker you take care of things 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 Opielowski Appraisal Services is your best weapon when contesting your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. At Opielowski Appraisal Services, we're seasoned in helping clients just like you dismiss unneeded and unwanted PMI insurance.
Recently got a freeze to your HELOC?Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. Opielowski Appraisal Services can help you reinstate your home equity line of credit with a professional appraisal.
We Offer Field and Desktop Appraisal Review ServicesHave you just received a copy of your appraisal and you'd prefer to have a professional double-check it for accuracy or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it 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 a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.