Attention homeowners in Columbia and Howard County: Need an appraisal?

Check out the top 7 reasons MD homeowners order from Astute Appraisals, Inc.:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To reduce your mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Settle an estate in MD by determining the true market value of property in question

Need help determining the price of your house in or near Columbia, MD?
Contact Astute Appraisals, Inc..

We at Astute Appraisals, Inc. understand the unique needs of a homeowner looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. Being a person not in the real estate business that probably doesn't see an appraisal every day,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because of your 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 house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much 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 a qualified appraiser's value conclusion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Astute Appraisals, Inc. is experts in helping folks just like you remove unnecessary PMI insurance.

Challenging property tax assessments

Lets say you live in a region that's declining -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. 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. An appraisal report from Astute Appraisals, Inc. is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your home is in a declining area, your lender may decide 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 annoying from a cash flow standpoint, 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 help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for precision? In a field review we'll go out and check the subject and comparables in question. Or, if you need it immediately, 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 typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.

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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