Real estate appraisal services for homeowners in the city of Catonsville and Baltimore County

The top seven reasons MD homeowners need Central Maryland Appraisal Services:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower your mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in Baltimore county or MD by determining the true market value of property in question

Own a house in or near Catonsville, MD and need help determining the value of it?
Contact Central Maryland Appraisal Services.

At Central Maryland Appraisal Services, we understand the unique needs of a homeowner after appraisal services. While our usual business 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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Central Maryland Appraisal Services, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.

PMI Removal Appraisals

A fashionable money saver 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 down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Central Maryland Appraisal Services is experienced in helping customers just like you rid themselves of undesirable PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. This means you are paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Central Maryland Appraisal Services is your strongest weapon.

HELOC recently frozen?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. Central Maryland Appraisal Services can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Central Maryland Appraisal Services offers field reviews where we go out and check the subject and comparables. If you're in a hurry, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help you with that Even though this is typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.