Why you should order an appraisal from Astute Appraisals, Inc.

To many, an appraisal is simply a line item on the settlement sheet for a mortgage or refinance. And while there are an increasing number of automated home valuation processes that may seem more practical than an appraisal, almost all lenders still want a local expert because the stakes are incredibly high. Is securing a mortgage the only reason to acquire an appraisal? Are there other times when the services of a certified, independent real estate professional might come in handy? Of course.

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

Appeal your tax assessment in Howard County

If you are in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment.

PMI removal to reduce your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that nearly all lenders ask buyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Seeing that additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Astute Appraisals, Inc. can provide you with a statement regarding the value of your home. The price you paid for the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

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Settle a divorce with less stress

A divorce is often complicated by the strenuous decision of who keeps the house, and it can be an especially traumatic event for both parties. 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 house, regardless of the circumstances.

The parties will have a clearer picture of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Determine a fair and accurate valuation for estate liquidation

The death of a loved one is a painful 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 utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to take care of these matters, unlike wealthier individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocate to or from Howard County through an employee relocation program

Employee relocation is a stressful event, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any recent sales or listings in their area that they want considered during our detailed inspection.

Sell your home promptly — at an accurate price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees rest on our efforts to complete the appraisal report and and aren't related to the sales price.

On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable 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 properties stay on the market.

Let Astute Appraisals, Inc. help you sell your home quickly at the right price