Appraisal services for Pasadena and Anne Arundel County homeowners

The top seven reasons MD homeowners call on Consumer Appraisal & Realty Services:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To lower their monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a MD divorce, where property needs to be divided
  7. Settle an estate in MD by determining the true market value of property in question

Own a home in or near Pasadena, MD and need help deciding the price of it?
Contact Consumer Appraisal & Realty Services.

We at Consumer Appraisal & Realty Services understand the special needs of a homeowner looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Consumer Appraisal & Realty Services will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract 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. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're seasoned in helping folks just like you abolish undesirable PMI insurance.

Challenging Anne Arundel county's assessment of your property

Lets say you live in a local area that is declining -- your local tax assessor may have your home overvalued. This means you're going to pay higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Consumer Appraisal & Realty Services is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can this be inconvenient from a cash flow point of view, and damaging to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Consumer Appraisal & Realty Services can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comparables. Or, if you need it immediately, 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.

We can also provide you with a a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.