Attention homeowners in BEL AIR and Harford County: Get an Appraisal today!

The top 7 reasons MD homeowners use Kelly Hogan:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce a mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a MD divorce, where real estate needs to be divided
  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 BEL AIR? Do you need help determining the price of your real estate?
Contact Kelly Hogan.

We at Kelly Hogan understand the special needs of a customer seeking 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.

For Sale By Owner/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 Kelly Hogan, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value report than yours.

Appraisals to remove PMI

A popular way to cut expenses for homeowners is to get the PMI canceled 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 amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're experienced in helping homeowners just like you abolish unwanted and unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that's declining. This only means you are most likely paying higher taxes than you should be paying. The sooner 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 Kelly Hogan is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your property is close to a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Kelly Hogan can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for preciseness, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Kelly Hogan can go out and check the subject and comps in a field review. If you need it immediately, we'll 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 usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.