Attention homeowners in Lutherville and Baltimore County: Need an appraisal?

Check out the top 7 reasons Maryland homeowners need Klein Appraisals, LLC:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge Baltimore County's assessment of your property value
Remove PMI to lower a mortgage payments
Reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Maryland, when real estate property needs to be divided
Determine the true market value of the property in question to settle an estate in Maryland


	Do you own a house in or near Lutherville? Do you need help determining the price of your real estate? Contact Klein Appraisals, LLC.

We at Klein Appraisals, LLC understand the special needs of a homeowner looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Klein Appraisals, LLC, will be objective. We 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 property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Interested buyers assume 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.

Challenging a property tax assessment

If you live in a local area that is going down or is not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Klein Appraisals, LLC is your #1 weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses 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 house, 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 are qualified in helping folks just like you rid themselves of unnecessary PMI insurance.

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 difficult from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. Klein Appraisals, LLC can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it ASAP, we'll 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 report? Klein Appraisals, LLC can help you with that. Even though most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.