Attention homeowners: Real estate appraisal services for in Middletown and Frederick County

See the top seven reasons MD homeowners hire Sally Frasher:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
To challenge a MD property tax assessment
To reduce your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in MD by determining the true market value of real estate in question

Own a home in or near Middletown, MD and need help determining the price of it?
Contact Sally Frasher.

We at Sally Frasher understand the particular needs of a customer seeking appraisal services. Our customary business clients get the appraisal process and the customary "products" we deliver to them. Being a homeowner that most likely doesn't see an appraisal on a regular basis,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at Sally Frasher are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much 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 an accomplished appraiser's value conclusion than yours.

Need to cancel PMI?

An attractive way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're seasoned in helping customers just like you do away with unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that is declining or not appreciating as much as other properties close by. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Sally Frasher is your number one weapon.

HELOC recently frozen?

If your home is in or near a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Sally Frasher can provide you with efficient appraisal to help you reinstate your home equity line of credit.

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 want a veteran appraiser to double-check your appraisal for preciseness? Sally Frasher offers field reviews where we'll go out and check the subject and comparables in question. Or, if you're in a rush, we can 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? Sally Frasher can We can assist you. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.