Need an appraisal in Baltimore or Baltimore County?

The top 7 reasons Maryland homeowners call on Covenant Appraisals:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge Baltimore County's assessment of your property value
To reduce a mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a divorce in the state of Maryland, where property needs to be divided
Determine the true market value of the real estate in question to settle an estate in Baltimore county or Maryland


	Own a house in or near Baltimore, Maryland and need help determining the value of it? Contact Covenant Appraisals.

At Covenant Appraisals, we understand the special needs of a consumer 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.

For Sale by Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value assessment than yours.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other properties close to yours. 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 earlier you take care of a matter like this, the better off you'll be. An appraisal from Covenant Appraisals is your strongest weapon when challenging your property tax assessment.

Appraisals to cancel PMI

A preferred money saver for homeowners is getting 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 amount is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're experienced in helping homeowners just like you rid yourselves of unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be difficult and inconvenient from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Covenant Appraisals can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for efficiency? Covenant Appraisals offers field reviews where we go out and check the subject and comps in question. 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 a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.