Attention homeowners in Columbia and Howard County: Get an Appraisal today!
Here are the top 7 reasons MD homeowners need Astute Appraisals, Inc.:
Do you own a house in or near Columbia? Do you need help deciding the value of your real estate?
We at Astute Appraisals, Inc. understand the special needs of a homeowner after appraisal services. Our typical business clients are used to the appraisal process and the customary reporting formats. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Astute Appraisals, Inc. 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 interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value opinion than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular money saver for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. Astute Appraisals, Inc. is experts in helping homeowners just like you remove undesirable PMI insurance.
Challenge a property tax assessment
Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your home overvalued. That only means you're paying more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from Astute Appraisals, Inc. is your #1 weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be unsuitable from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Astute Appraisals, Inc. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for accuracy, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? Astute Appraisals, Inc. offers field reviews where we'll go out and check the subject and comps. If you need it immediately, we'll 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? Astute Appraisals, Inc. can help with that too. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.