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

Here are the top 7 reasons Massachusetts homeowners need Hub Appraisal:

  1. 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 cut their mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of the real estate in question to settle an estate
Own a house in or near Hubbardston, Massachusetts and need help deciding the price of it? Contact Hub Appraisal.

At Hub Appraisal, we understand the unique needs of a customer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a general consumer, you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Hub Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's market value, not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value judgement than yours.

Challenge Worcester County's assessment of your property

Let's say you live in a region that is going down -- your local tax assessor may have your home overvalued. This means you're 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 challenging your property tax assessment, getting an appraisal report from Hub Appraisal is your perfect weapon.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. Hub Appraisal is experienced in helping clients just like you dismiss unwanted PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be difficult and inconvenient from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Hub Appraisal can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you desire 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 ASAP, 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 you with a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.