Attention homeowners in Sandisfield and Berkshire County: Get an Appraisal today!

See the top seven reasons MA homeowners order from Carol L Garcia, SRA:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a MA property tax assessment
  3. To lower their monthly mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Berkshire county or MA by determining the true market value of real estate in question

Do you own a house in or near Sandisfield? Do you need help determining the price of your real estate?
Contact Carol L Garcia, SRA.

We at Carol L Garcia, SRA understand the individual 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 house because you most likely have an emotional attachment to it. Our professional appraisers at Carol L Garcia, SRA are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important 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 gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value judgement than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is 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, which will make your monthly payments go down. We are qualified in helping clients just like you do away with unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties close to yours. This only means you're probably 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. An appraisal from Carol L Garcia, SRA is your chief weapon when challenging 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 house is near a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Carol L Garcia, SRA can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for accuracy? An appraiser from Carol L Garcia, SRA can go out and check the subject and comparables in question in a field review. Or, if you need it in a rush, we can 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 a retrospective review of any appraisal you may have had done before. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.