Why you should order an appraisal from Martins AppraisalsEach year, thousands of people in Maryland purchase, sell or refinance their home. A lot of these transactions include a simple line item for an appraisal. Even though there are a budding number of automated home valuation processes that might appear more prudent than an appraisal, nearly all lenders still want a local expert because the stakes are very high. Is obtaining a mortgage the only basis for getting an appraisal? Are there additional times when the services of a certified, independent real estate professional could be beneficial? Of course. 
Appeal your tax assessment in Carroll CountyIf you reside in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in challenging your tax assessment. Eliminating PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask home buyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Oftentimes, this added payment is folded into the monthly mortgage payment and is promptly forgotten. This is bad because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. Martins Appraisals can give you a statement regarding the value of your home, and the expense of the appraisal can generally be offset in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from Martins Appraisals today Order todayGet a fair valuation on a home take make a divorce settlement less stressfulA divorce is often complicated by the troublesome decision of who keeps the home, and it can be a very daunting experience for both parties. It's a good idea to order an appraisal from Martins Appraisals so both parties are entirely aware of the true market value of their property, regardless of the situation. If the parties want to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation. Determine an accurate and fair valuation for estate liquidationThe death of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion. Most Americans do not have dedicated estate planners or executors to manage these issues, unlike wealthier individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal. Move to or from Carroll County through an employee relocation programEmployee relocation is a stressful event, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide remarks on the positive aspects of their property, along with information regarding any current sales or listings in their area that they want considered. Close on your home promptly — at the right priceA professional appraisal can help you make a better educated decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees rest on our efforts to complete the appraisal report and and aren't related to the sales price. We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long houses stay on the market. 
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