Attention homeowners in Lusby and Calvert County: Get an Appraisal today!

Here are the top 7 reasons Maryland homeowners need George Kemp (410) 586-1529:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to cut a mortgage payments
Reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a divorce in the state of Maryland, where property needs to be divided
To settle an estate in Calvert county or Maryland by determining the true market value of the property in question


	Need help deciding the value of your house in or near Lusby, Maryland? Contact George Kemp (410) 586-1529.

We at George Kemp (410) 586-1529 understand the unique needs of a customer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a regular person not in the real estate industry that probably doesn't see an appraisal every day, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

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. The professional appraisers at George Kemp (410) 586-1529 will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Challenging Calvert County's assessment of your property

If you live in a local area that is going down or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. This means you are probably 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 things like this, the better. A professional appraisal from George Kemp (410) 586-1529 is your best weapon when contesting your property tax assessment.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan is below 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 seasoned in helping consumers just like you do away with unwanted and unneeded PMI insurance.

HELOC recently frozen?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. George Kemp (410) 586-1529 can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for preciseness? George Kemp (410) 586-1529 offers field reviews where we go out and check the subject and comparables. 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.

We can also provide you with a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.