Attention homeowners in Smithsburg and Washington County: Need an appraisal?

Here are the top 7 reasons MD homeowners use Salvatore Appraisals, LLC:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge Washington county's assessment of your propertyvalue
  3. Remove PMI to cut a monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a MD divorce, where property needs to be divided
  7. To determine the true market value of property in question to settle an estate in MD

Own a house in or near Smithsburg, MD and need help determining the value of it?
Contact Salvatore Appraisals, LLC.

We at Salvatore Appraisals, LLC understand the individual needs of a homeowner seeking appraisal services. Our typical business clients get the appraisal process and the usual documents we provide. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Salvatore Appraisals, LLC, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. 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 experienced appraiser's value opinion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are qualified in helping consumers just like you rid yourselves of undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties close to yours. This means you are going to pay 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 things like this, the better. Getting a professional appraisal from Salvatore Appraisals, LLC is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is in a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. Salvatore Appraisals, LLC can provide you with an expert appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd wish to have a veteran appraiser double-check it for efficiency or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it ASAP, we can provide you with a 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 a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.