Appraisal services for Baltimore and Baltimore County homeowners

The top seven reasons why MD homeowners hire Ryan Pulaski:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To lower your mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Baltimore county or MD by determining the true market value of property in question

Need help determining the price of your house in or near Baltimore, MD?
Contact Ryan Pulaski.

We at Ryan Pulaski understand the special needs of a homeowner after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 house, it's often very hard to be objective about it. Our professional appraisers at Ryan Pulaski 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 buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. Ryan Pulaski is seasoned in helping people just like you dismiss undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other homes close to yours. That only means you're most likely paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Ryan Pulaski is your number one weapon.

HELOC recently frozen?

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

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Ryan Pulaski offers field reviews where we'll go out and check the subject and comparables. Or, if you need it ASAP, we can 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? Ryan Pulaski can help you with that. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.