Real estate appraisal services for homeowners in the city of Columbia and Howard County
Here are the top 7 reasons MD homeowners use Astute Appraisals, Inc.:
Need help determining the value of your house in or near Columbia, MD?
We at Astute Appraisals, Inc. understand the special needs of a consumer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Astute Appraisals, Inc., are objective. We'll 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 a very important negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers assume 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.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount 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. Astute Appraisals, Inc. is experienced in helping consumers just like you delete undesirable PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your home overvalued if you live in a region that's going down. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. Getting an appraisal report from Astute Appraisals, Inc. is your number one weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your home is near a declining area, your lender 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 disadvantageous from a cash flow angle, but it can be bad for 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 Also Offer Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you would prefer to have a seasoned expert double-check it for accuracy or do you want a second opinion without the 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 need it immediately, we'll provide 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? We can help with that too. Even though this is usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.
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