Real estate appraisal services for homeowners in the city of Dayton and Howard County
Here are the top reasons MD homeowners call on Certified General Appraisal Service:
Own a house in or near Dayton, MD and need help determining the value of it?
At Certified General Appraisal Service, we understand the unique needs of a consumer looking for appraisal services. Our regular business clients understand the appraisal process and the standard reporting formats. As our client, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.
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. 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 very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value estimation than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. At Certified General Appraisal Service, we're experts in helping folks just like you dismiss undesirable PMI insurance.
Challenging Howard county's assessment of your property
Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. This means you're 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. When challenging your property tax assessment, getting an appraisal report from Certified General Appraisal Service is your chief weapon.
Was your HELOC recently frozen?
If your home is in a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Certified General Appraisal Service can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just received a copy of your appraisal and you'd like to have a veteran appraiser double-check it for verity or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Certified General Appraisal Service can go out and check the subject and comparables in a field review. If you need it immediately, we'll provide 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 need to exploit this service if you suspect mortgage fraud related to your property.