Real estate appraisal services for homeowners in the city of Forest Hill and Harford County

The top reasons MD homeowners hire Clayton Home Appraisals, inc.:

  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. Remove PMI to reduce your mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a MD divorce, where real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Harford county or MD

Own a house in or near Forest Hill, MD and need help deciding the price of it?
Contact Clayton Home Appraisals, inc..

We at Clayton Home Appraisals, inc. understand the individual needs of a homeowner looking for appraisal services. Our usual business clients understand the appraisal process and the customary reporting formats. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your house because you most likely have an emotional attachment to it. The professional appraisers at Clayton Home Appraisals, inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Clayton Home Appraisals, inc., we're qualified in helping clients just like you do away with unwanted PMI insurance.

Challenging a property tax assessment

Lets say you live in a local area that's declining -- your local tax assessor may have your home overvalued. This only means you are probably paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Clayton Home Appraisals, inc. is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be inconvenient from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Clayton Home Appraisals, inc. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for preciseness? We can go out and check the subject and comps in a field review. Or, if you're in a hurry, we can provide 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 report you may have in your possession. Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.