Need an appraisal in Frostburg or Allegany County?

See the top reasons MD homeowners order from Carter & Roque Real Estate:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Allegany county's assessment of your property
  3. To lower a mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in Allegany county or MD by determining the true market value of real estate in question

Need help determining the price of your house in or near Frostburg, MD?
Contact Carter & Roque Real Estate.

At Carter & Roque Real Estate, we understand the special needs of a customer after appraisal services. While our usual 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 (FSBO)

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Carter & Roque Real Estate will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your home, 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. We're veterans in helping consumers just like you remove unneeded and unwanted PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. This only means you are most likely paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Carter & Roque Real Estate is your #1 weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. Not only can this be inconvenient from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Carter & Roque Real Estate can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would wish to have a veteran appraiser double-check it for preciseness or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Carter & Roque Real Estate offers field reviews where we go out and check the subject and comps. 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 you with a a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.