Attention homeowners in Elkton and Cecil County: Get an Appraisal today!
The top seven reasons why Maryland homeowners order from Lobos Appraisers:
We at Lobos Appraisers understand the special needs of a customer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your own home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value opinion than yours.
Challenging Cecil County's assessment of your propertyYour local tax assessor may have your house overvalued if you live in a region that's going down. This means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. Getting an appraisal from Lobos Appraisers is your strongest weapon when contesting your property tax assessment.
Need to remove PMI?PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experts in helping folks just like you delete unnecessary PMI insurance.
Was your HELOC recently frozen?If your home is in a declining area, your lender may just choose 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 annoying from a cash flow point of view. Lobos Appraisers can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Lobos Appraisers can go out and check the subject and comps in a field review. 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.
We can also provide a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.