Attention homeowners: Real estate appraisal services for in Ludlow and Hampden County

The top seven reasons why MA homeowners need Ludlow Appraisal Company:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To reduce your monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a MA divorce, where real estate needs to be divided
To settle an estate in MA by determining the true market value of property in question

Need help deciding the price of your home in or near Ludlow, MA?
Contact Ludlow Appraisal Company.

At Ludlow Appraisal Company, we understand the unique needs of a consumer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. The professional appraisers at Ludlow Appraisal Company 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 price to sell at so your home will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.

Need to cancel PMI?

A popular money saver for homeowners is to get the PMI eliminated 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 amount is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We are experienced in helping homeowners just like you abolish unwanted and unneeded PMI insurance.

Challenging property tax assessments

If you live in a region that is declining or not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. This only means you're going to pay higher taxes than you should be paying. The sooner 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. When challenging your property tax assessment, getting an appraisal report from Ludlow Appraisal Company is your #1 weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, 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. This can this be unsuitable from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Ludlow Appraisal Company can provide you with a professional appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comparables in question. Or, if you need it in a rush, we can 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 report you may have had in the past. While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.