Attention homeowners in Nashua and Hillsborough County: Get an Appraisal today!

The top seven reasons why NH homeowners use R. Gingras & Associates:

Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge property tax assessments
To cut a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Hillsborough county or NH

Do you own a home in or near Nashua? Do you need help deciding the value of your real estate?
Contact R. Gingras & Associates.

We at R. Gingras & Associates understand the particular needs of a customer in need of appraisal services. While our typical 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/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at R. Gingras & Associates will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

PMI Removal Appraisals

A preferred way to cut expenses for homeowners is getting 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 below 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping homeowners just like you abolish undesirable PMI insurance.

Challenging property tax assessments

If you live in a region that is declining or is not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. This means you are 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 challenging your property tax assessment, getting a professional appraisal from R. Gingras & Associates is your best weapon.

Recently got a freeze your HELOC?

Your lender might just 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. Not only can this be difficult and inconvenient from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. R. Gingras & Associates can provide you with a professional appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? R. Gingras & Associates offers field reviews where we go out and check the subject and comparables in question. Or, if you need it immediately, 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? R. Gingras & Associates can We can assist you. Even though this is typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your house.