Real estate appraisal services for homeowners in the city of Columbia and Howard County

The top seven reasons why MD homeowners use Astute Appraisals, Inc.:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Howard county's assessment of your property
  3. To lower a monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a MD divorce, where real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Howard county or MD

Do you own a house in or near Columbia? Do you need help determining the price of your real estate?
Contact Astute Appraisals, Inc..

At Astute Appraisals, Inc., we understand the particular needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a homeowner that most likely doesn't look at appraisals every day,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home 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 will tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value report than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Astute Appraisals, Inc. is seasoned in helping customers just like you rid themselves of unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in an area that is going down. This only means you are probably paying higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Astute Appraisals, Inc. is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Astute Appraisals, Inc. can provide you with an expert appraisal to help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would wish to have a seasoned expert double-check it for efficiency or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? 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 hurry, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.

Today's Rates

Mtg Loan Rate APR
30-yr Fixed 4.55% 4.7%
15-yr Fixed 4.01% 4.22%
1-yr Adj 2.76% 3.42%
* national averages

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