Why you should hire an appraiser

To many, an appraisal is simply one more thing on the break-sheet for a mortgage or refinance. Most lenders still want a local expert because the stakes are very high, even though there are a growing number of automated home valuation methods that might seem more economical than an appraisal. You might believe that getting a mortgage is the only reason to get an appraisal, but there are more times when the services of a licensed, independent real estate professional might come in handy.

Let Astute Appraisals, Inc. help you lower your mortgage payment

Challenge your tax assessment in Howard County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a previous assessment of your house, so if prices have declined in your neighborhood, you can challenge your assessment and save money. An appraisal from Astute Appraisals, Inc. is your best evidence when building your case. At Astute Appraisals, Inc., we're qualified to assist you in challenging your tax assessment.

Removing PMI for mortgage payments

Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask home buyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Oftentimes, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Astute Appraisals, Inc. can produce a statement regarding the value of your home. The expense of the home valuation can generally be offset in little time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce can be a particularly daunting event for both parties, and it is often even more complicated by the hard decision of who maintains the home. Regardless of the circumstances, it's a good idea to order an appraisal from Astute Appraisals, Inc. so both parties are entirely aware of the true market value of their property.

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

Fair and accurate estate liquidation

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. And since a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocate to or from Howard County through an employee relocation program

Employee relocation is a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any recent sales or listings in their area that they want considered during our thorough inspection.

Close on your home promptly — for an accurate price

A professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are based on our efforts to finish the appraisal report.

We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to decide 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 houses stay on the market.

Let Astute Appraisals, Inc. assist you in selling your home quickly at the right price