Need an appraisal in Columbia or Howard County?
Here are the top 7 reasons MD homeowners hire Astute Appraisals, Inc.:
Need help determining the value of your home in or near Columbia, MD?
At Astute Appraisals, Inc., we understand the particular needs of a consumer after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value assessment than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Astute Appraisals, Inc., we're veterans in helping customers just like you rid themselves of unneeded and unwanted PMI insurance.
Challenging Howard county's assessment of your property
Lets say your house is not appreciating as much as other homes close by -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. The sooner you take care of a matter like this, the better off you'll be, 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 perfect weapon.
Was your HELOC recently frozen?
If your property is in or 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. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Astute Appraisals, Inc. can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for precision? An appraiser from Astute Appraisals, Inc. can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can provide 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 We can assist you. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.