Real estate appraisal services for homeowners in the city of East Longmeadow and Hampden County

Here are the top seven reasons why MA homeowners order from Tom Cressotti:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Hampden county's assessment of your property
  3. Remove PMI to lower your mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a MA divorce, when property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Hampden county or MA

Do you own a house in or near East Longmeadow? Do you need help deciding the value of your real estate?
Contact Tom Cressotti.

At Tom Cressotti, we understand the unique needs of a consumer after 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 own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Tom Cressotti, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your house 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 report than yours.

Appraisals to cancel PMI

An attractive money saver for homeowners is to get the PMI eliminated 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 is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're experienced in helping homeowners just like you abolish undesirable PMI insurance.

Challenging Hampden county's assessment of your property

Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties close to yours. This means you're going to pay higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Tom Cressotti is your perfect weapon when contesting your property tax assessment.

Recently got a freeze 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 property is close to a declining area. Not only can this be unsuitable from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Tom Cressotti can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for verity? In a field review we will 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 report? Tom Cressotti can help you with that. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.