Real estate appraisal services for homeowners in the city of Cumberland and Allegany County

The top seven reasons MD homeowners call on Appraisal Allie:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge a property tax assessment
To reduce their monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a MD divorce, when real estate needs to be divided
To settle an estate in MD by determining the true market value of property in question

Do you own a house in or near Cumberland? Do you need help determining the value of your real estate?
Contact Appraisal Allie.

We at Appraisal Allie understand the special needs of a homeowner looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. As our client, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because of your emotional attachment to it. A professional appraiser is objective and 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 a crucial negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Need to remove PMI?

A fashionable way to cut expenses for homeowners is getting the PMI removed 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 less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. Appraisal Allie is seasoned in helping people just like you get rid of unneeded PMI insurance.

Challenging a property tax assessment

If you live in a region that is going down or not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting a professional appraisal from Appraisal Allie is your perfect weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision 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. Appraisal Allie can provide you with a professional appraisal that will help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have a seasoned expert double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you need it ASAP, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help you with that Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.