Attention homeowners in Columbia and Howard County: Need an appraisal?
Here are the top 7 reasons MD homeowners use 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 individual needs of a consumer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. As our non-traditionalclient, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Astute Appraisals, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value judgement than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Astute Appraisals, Inc., we're experienced in helping people just like you delete unwanted PMI insurance.
Challenging Howard county's assessment of your property
Lets say you live in a region that's going down -- your local tax assessor may have your home overvalued. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. An appraisal report from Astute Appraisals, Inc. is your perfect weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
If your house is near a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Astute Appraisals, Inc. can provide you with a professional appraisal to help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you would wish to have a professional double-check it for precision or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you're in a rush, 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.
Need a retrospective review of an appraisal report? We can We can assist you While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.