Appraisal services for Delmar and Wicomico County homeowners

The top 7 reasons why MD homeowners call on Brumbley Appraisals Services:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
To reduce your monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
To settle an estate in Wicomico county or MD by determining the true market value of property in question

Need help determining the price of your home in or near Delmar, MD?
Contact Brumbley Appraisals Services.

We at Brumbley Appraisals Services understand the unique needs of a customer in need of appraisal services. Our typical business clients get the appraisal process and the customary "products" we deliver to them. But as a general consumer,you will 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Brumbley Appraisals Services are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. The appraisal is something tangible to show the 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 assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

PMI Removal Appraisals

A preferred way to cut expenses 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 is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. At Brumbley Appraisals Services, we're veterans in helping folks just like you abolish unneeded and unwanted PMI insurance.

Challenging property tax assessments

If you live in an area that is declining or is not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. This only means you are paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Brumbley Appraisals Services is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

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

We Offer Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for efficiency or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it in a rush, we'll provide you with a 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 report? Brumbley Appraisals Services can help with that too. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.