Appraisal services for East Longmeadow and Hampden County homeowners

See the top seven reasons why MA homeowners call on Coughlin Appraisers:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To reduce their mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a MA divorce, when real estate needs to be divided
  7. Determine the true market value of property in question to settle an estate

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

At Coughlin Appraisers, we understand the particular needs of a homeowner after appraisal services. Our customary business clients are used to the appraisal process and the standard documents we provide. As our non-traditionalclient, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

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 important as a 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 concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. Coughlin Appraisers is experienced in helping clients just like you delete unwanted PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. Getting an appraisal report from Coughlin Appraisers is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Coughlin Appraisers can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd like to have a seasoned expert double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Coughlin Appraisers offers field reviews where we'll go out and check the subject and comparables. If you're in a hurry, 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? Coughlin Appraisers can help you with that. Even though this is usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.