Real estate appraisal services for homeowners in the city of Harvard and Worcester County

Check out the top 7 reasons MA homeowners need Merrimack Appraisal:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge a property tax assessment
  3. Remove PMI to lower their mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a MA divorce, when property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Worcester County or the state of MA

Need help determining the price of your house in or near Harvard, MA?
Contact Merrimack Appraisal.

We at Merrimack Appraisal understand the special needs of a customer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Merrimack Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value report than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experienced in helping homeowners just like you do away with unneeded PMI insurance.

Challenging a property tax assessment

Lets say you live in an area that is going down -- your local tax assessor may have your home overvalued. This only means you are probably paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Merrimack Appraisal is your strongest weapon.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Merrimack Appraisal can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for efficiency, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Merrimack Appraisal can go out and check the subject and comps in a field review. Or, if you need it ASAP, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? Merrimack Appraisal can help you with that. While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.