Appraisal services for Hampshire and Franklin County homeowners

Here are the top seven reasons Massachusetts homeowners call on Pioneer Valley Appraisal:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge Town or City assessment of your property
To reduce their monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a divorce in the state of Massachusetts, when real estate needs to be divided
To settle an estate in Massachusetts by determining the true market value of the property in question as of a current date or a prior date


	Do you own a house in Hampshire or Franklin County? Do you need help determining the value of your real estate? Contact Pioneer Valley Appraisal.

We at Pioneer Valley Appraisal understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a person not in the real estate field that probably doesn't look at appraisals on a regular basis, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your own house 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. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value opinion than yours.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses close to yours. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Pioneer Valley Appraisal is your number one weapon.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are seasoned in helping consumers just like you rid themselves of unwanted PMI insurance.

HELOC recently frozen?

If your property is near a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Pioneer Valley Appraisal can provide you with efficient appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for verity, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a rush, 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? We can assist you. Although most appraisal reviews are commissioned by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are wise to get a second opinion.