Real estate appraisal services for homeowners in the city of Hagerstown and Washington County
The top seven reasons why MD homeowners need Wise Appraisal Services, Inc.:
Do you own a house in or near Hagerstown? Do you need help determining the value of your real estate?
We at Wise Appraisal Services, Inc. understand the unique needs of a homeowner in need of appraisal services. Our regular business clients understand the appraisal process and the usual reporting formats. But as a consumer,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your house because of your 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 selling price so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value judgement than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Wise Appraisal Services, Inc. is qualified in helping homeowners just like you abolish unnecessary PMI insurance.
Challenge Washington county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a region that's declining. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. An expert appraisal from Wise Appraisal Services, Inc. is your chief weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
If your house is in or near a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable 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. An efficient appraisal from Wise Appraisal Services, Inc. can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Do you need a seasoned expert 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? In a field review we'll go out and check the subject and comparables. Or, if you're in a hurry, we can 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 We can assist you While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.