Need an appraisal in Baltimore or Baltimore County?

Here are the top seven reasons Maryland homeowners hire KLF Residential Appraisals:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
Remove PMI to lower a mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
Review another 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 Baltimore county or Maryland by determining the true market value of the real estate in question


	Own a house in or near Baltimore, Maryland and need help deciding the price of it? Contact KLF Residential Appraisals.

We at KLF Residential Appraisals understand the unique needs of a customer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at KLF Residential Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's declining. This 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 sooner you take care of a matter like this, the better off you'll be. Getting a professional appraisal from KLF Residential Appraisals is your chief weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your property, 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. At KLF Residential Appraisals, we're experienced in helping customers just like you rid themselves of unwanted and unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be disadvantageous from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. KLF Residential Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for precision, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? KLF Residential Appraisals offers field reviews where we go out and check the subject and comps in question. If you need it ASAP, we'll 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? KLF Residential Appraisals can help you with that. Even though most appraisal reviews are commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.