Need an appraisal in Columbia or Howard County?
Here are the top seven reasons MD homeowners use Astute Appraisals, Inc.:
Own a house in or near Columbia, MD and need help determining the price of it?
We at Astute Appraisals, Inc. understand the particular needs of a customer looking for appraisal services. While our typical 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.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your own 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 house will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value opinion than yours.
Need to remove PMI?
A fashionable way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experts in helping people just like you get rid of unnecessary PMI insurance.
Challenging Howard county's assessment of your property
If you live in a local area that is going down or is not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. That means you are probably paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Astute Appraisals, Inc. is your #1 weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow angle. Astute Appraisals, Inc. can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for preciseness? An appraiser from Astute Appraisals, Inc. can go out and check the subject and comps in question in a field review. If you're in a rush, we'll 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 help you with that. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.