Appraisal services for Merrimac and Essex County homeowners

See the top reasons MA homeowners need Hamer Appraisal Services:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To cut a monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a MA divorce, where real estate needs to be divided
Settle an estate in MA by determining the true market value of real estate in question

Own a house in or near Merrimac, MA and need help deciding the price of it?
Contact Hamer Appraisal Services.

At Hamer Appraisal Services, we understand the particular needs of a homeowner after appraisal services. While our typical 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/Pre-Listing Services

It's very hard to be objective about your home because of your 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 very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping people just like you dismiss unwanted and unneeded PMI insurance.

Challenging Essex county's assessment of your property

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes close to yours. That only means you are paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Hamer Appraisal Services is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. Not only can this be inconvenient from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Hamer Appraisal Services can help you reinstate your home equity line of credit with efficient appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you'd prefer to have a professional double-check it for verity or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you need it in a rush, we'll 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? Hamer Appraisal Services can help with that too. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.