Reasons to get an appraisal from

To many, an appraisal just looks like another fee on the settlement sheet for a home purchase or refinance. And while there are a growing number of automated home valuation systems that might seem more economical than an appraisal, almost all lenders still call in a local expert because the stakes are incredibly high. Is securing a mortgage the only reason you should get an appraisal? Are there additional situations when the services of a licensed, independent real estate professional could come in handy? You bet.

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Contest your tax assessment in Baltimore County

If you are in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in appealing your tax assessment.

Removing PMI for mortgage payments

When the amount being loaned to the buyeris more than 80% of the actual value of the property, many lenders ask homeowners to buy this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

will provide you with a statement regarding the value of your home, and the expense of the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI.

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Get a clear valuation on a home for divorce settlements

A divorce is often complicated by the difficult decision of who gets the property, and it can be a very horrible ordeal for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from so both parties are fully aware of the true market value of their property.

If the parties wish to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate estate liquidation

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an unequal share of the total estate value, so knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocate to or from Baltimore County through an employee relocation program

We understand the stress involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any recent sales or listings in their area that they want considered during our thorough inspection.

Close on your home quickly — for the right price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they are based on our efforts to finish the appraisal report.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long houses stay on the market.

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