Attention homeowners in Belmont and Middlesex County: Need an appraisal?

Here are the top reasons MA homeowners need Dargon Associates:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. To lower their mortgage payments by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate

Do you own a home in or near Belmont? Do you need help deciding the value of your real estate?
Contact Dargon Associates.

At Dargon Associates, we understand the individual needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. Being a consumer that ordinarily doesn't see an appraisal on a regular basis,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house 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 a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to cancel PMI?

A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping consumers just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge Tax Assessment

If you live in a region that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. This only means you are going to pay higher taxes than you should be paying. The sooner you take care of things 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 expert appraisal from Dargon Associates is your #1 weapon.

Was your HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. A professional appraisal from Dargon Associates can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Dargon Associates can go out and check the subject and comparables in a field review. Or, if you need it ASAP, 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.

Do you need a retrospective review of an appraisal? Dargon Associates can help with that too. While usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.