Let Astute Appraisals, Inc. handle your appraisal needs

Thousands of people in Maryland purchase, sell or refinance their home every month. Most of these transactions include a simple line item for an appraisal. The majority of lenders still want a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation methods that may appear more cost-effective than an appraisal. Is securing a mortgage the only basis for getting an appraisal? Are there more times when the services of a licensed, independent real estate professional might be beneficial? Absolutely.

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

Contest your tax assessment in Howard County

It's possible you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your home, so if prices have declined in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At Astute Appraisals, Inc., we're capable of assisting you in challenging your tax assessment.

Get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask home buyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the property. This added payment is often bundled into the monthly mortgage payment and is quickly forgotten. This is bad because PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Astute Appraisals, Inc. will give you a statement regarding the value of your home. The expense of the appraisal can usually be regained in little time because you'll no longer be paying the PMI.

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Get a clear valuation on a home take make a divorce settlement less stressful

A divorce is often complicated by the strenuous decision of who maintains the home, and it can be an especially horrible ordeal for both parties. Regardless of the situation, it's a good idea to get an appraisal from Astute Appraisals, Inc. so both parties are completely aware of the true market value of their home.

The parties will have a a good idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Determine an accurate and fair valuation for estate liquidation

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We ensure the utmost 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 matters. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocate to or from Howard County through an employee relocation program

Employee relocation can be a stressful event, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide remarks on the positive aspects of their property, as well as information about any new sales or listings in their neighborhood that they want considered.

Sell your home promptly — at an accurate price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees depend on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to determine what improvements will add value and what a suitable 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 are one the market.

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