Attention homeowners in Huntingtown and Calvert County: Need an appraisal?
Here are the top 7 reasons Maryland homeowners hire M.C. Appraisals, Inc.:
We at M.C. Appraisals, Inc. understand the unique needs of a homeowner seeking appraisal services. Our typical business clients get the appraisal process and the usual reporting formats. But as a general consumer, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at M.C. Appraisals, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.
Challenge Tax AssessmentYour local tax assessor may have your home overvalued if you live in a local area that is going down or is not appreciating as much as other houses nearby. 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 sooner you take care of things like this, the better. When challenging your property tax assessment, getting a professional appraisal from M.C. Appraisals, Inc. is your number one weapon.
Need to remove PMI?PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your house, 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. At M.C. Appraisals, Inc., we're seasoned in helping consumers just like you remove undesirable PMI insurance.
Was your HELOC recently frozen?If your house is in or near a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. A professional appraisal from M.C. Appraisals, Inc. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Do you need a seasoned professional to double-check your appraisal for verity, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from M.C. Appraisals, Inc. can go out and check the subject and comparables in a field review. Or, if you need it immediately, we can provide 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? We can assist you. While usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.