Let Longworth & Associates, Inc. take care of your appraisal

To many, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. Most lenders still need a local expert because the stakes are so high, even though there are a developing number of automated home valuation methods that might appear more cost-effective than an appraisal. But is getting a mortgage the only reason you should get an appraisal? Are there other cases when the services of a licensed, independent real estate professional might be beneficial? Of course there are.


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Appeal your tax assessment in Anne Arundel County

If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Longworth & Associates, Inc. is your best evidence when building your case. At Longworth & Associates, Inc.,we can assist you in appealing your tax assessment.

Eliminating PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that many lenders ask homeowners to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. Most often, this additional payment is bundled into the monthly mortgage payment and is soon forgotten. This is bad because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to do away with the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

Longworth & Associates, Inc. can produce a statement regarding the value of your home, and the expense of the appraisal can generally be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the burdensome decision of who gets the home, and it can be an especially heartbreaking occurrence for both parties. It's a good idea to get an appraisal from Longworth & Associates, Inc. so both parties are completely aware of the true market value of their home, regardless of the circumstances.

If the parties want to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Accurate and fair estate liquidation with Longworth & Associates, Inc.Settling an estate

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.

Most Americans do not have dedicated estate planners or executors to manage these affairs, unlike wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the correct value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocating to or from Anne Arundel County?

We know the stress involved with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information about any recent sales or listings in their area that they want considered during our intensive process.

Sell your home quickly at the right price with an appraisal from Longworth & Associates, Inc.

A professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are based on our efforts to perform the appraisal report and not a percentage of the sales price.

We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted way to determine what improvements will add value and what an applicable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long homes stay on the market.