George Kemp (410) 586-1529 in Lusby are called upon for a variety of reasons

To many, an appraisal is simply a line item on the settlement sheet for a home purchase or refinance. And even though there are a budding number of automated home valuation systems that may appear to be less expensive than an appraisal, most lenders still want a local expert because the stakes are so high. But is obtaining a mortgage the only basis for getting an appraisal? Are there more instances when the services of a licensed, independent real estate professional could be helpful? You bet there are.


	If you're planning on any transaction where the value of your property is a factor, contact George Kemp (410) 586-1529. Just click here.

Challenge your tax assessment in Calvert County

It's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your real estate, so if values have gone down in your area, you can challenge your assessment and save money. When building your case, an appraisal from George Kemp (410) 586-1529 is your best evidence. We're equipped to assist you in challenging your tax assessment.

Let George Kemp (410) 586-1529 help you get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that almost all lenders ask home owners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the home. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to eliminate the PMI payments when the balance is paid down to 78% of the original value.

George Kemp (410) 586-1529 can give you a statement regarding the value of your home, and the price you paid for the appraisal can often be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be an especially daunting ordeal for both parties, and it is often more complicated by the strenuous decision of who keeps the house. So both parties are completely aware of the true market value of their home, it's a good idea to get an appraisal from George Kemp (410) 586-1529, regardless of the circumstances.

If the parties wish to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to handle these matters, unlike wealthy individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the certain value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

George Kemp (410) 586-1529 can help you with relocating to or from Calvert County

Employee relocation can be a more than just an inconvenience. We know where you're coming from! That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed process, we recommend employees that are moving to provide feedback on the positive characteristics of their property, along with information about any new sales or listings in their area that they want considered.

Let George Kemp (410) 586-1529 assist you in selling your home quickly at the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision regarding your selling price. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price.

We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homes stay on the market. So, getting a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.