Appraisal services for Milford and Worcester County homeowners

The top 7 reasons Massachusetts homeowners order from CK Appraisals:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
Remove PMI to lower a mortgage payment(s)
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If a property needs to be divided because of a divorce
To determine the true market value of real estate to settle an estate


	Need help determining the price of your home in or near Milford, Massachusetts? Contact Rita C. Kalil.

We at CK Appraisals understand the special needs of a consumer in need of appraisal services. Our usual business clients understand the appraisal process and the usual documents we provide. As our client, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

For Sale by Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at CK Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.

Challenge a property tax assessment

Let's say you live in a local area that is going down -- your local tax assessor may have your home overvalued. This 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 earlier you take care of a matter like this, the better. When contesting your property tax assessment, getting an expert appraisal from CK Appraisals is your perfect weapon.

Appraisals to remove PMI

A preferred way to cut expenses for homeowners is to get the PMI canceled 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 down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. Rita C. Kalil is seasoned in helping customers just like you get rid of unnecessary PMI insurance.

Was your HELOC recently frozen?

If your house is close to a declining area, your lender just may 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 troublesome from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Rita C. Kalil can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for efficiency or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you need it ASAP, 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? Rita C. Kalil can help you with that. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.