Attention homeowners in Havre De Grace and Harford County: Need an appraisal?

The top reasons MD homeowners need The McGann Company, Inc.:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a MD property tax assessment
  3. To cut your monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in MD by determining the true market value of real estate in question

Do you own a house in or near Havre De Grace? Do you need help deciding the value of your real estate?
Contact The McGann Company, Inc..

At The McGann Company, Inc., we understand the individual needs of a homeowner seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a regular homeowner that most likely doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.

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 The McGann Company, Inc., will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value estimation than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experienced in helping people just like you get rid of unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses nearby. That only means you're probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from The McGann Company, Inc. is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be inopportune from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. The McGann Company, Inc. can help you reinstate your home equity line of credit with efficient appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from The McGann Company, Inc. can go out and check the subject and comparables in a field review. If you're in a rush, we'll 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 We can assist you Even though this is usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.