Attention homeowners in Columbia and Howard County: Need an appraisal?
Here are the top seven reasons why MD homeowners order from Astute Appraisals, Inc.:
Need help determining the value of your house in or near Columbia, MD?
We at Astute Appraisals, Inc. understand the individual needs of a customer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a regular homeowner that most likely doesn't see an appraisal on a regular basis,you'll receive 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 you probably have an emotional attachment to 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 buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
Need to remove PMI?
A popular way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experts in helping homeowners just like you dismiss unwanted and unneeded PMI insurance.
Challenging Howard county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a local area that is declining or not appreciating as much as other homes close by. That means you're going to pay more taxes than you should. The earlier 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 a professional appraisal from Astute Appraisals, Inc. is your best weapon.
Recently got a freeze your HELOC?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- 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 difficult and inconvenient from a cash flow angle. An expert appraisal from Astute Appraisals, Inc. can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would like to have a seasoned appraiser double-check it for precision 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 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.
Need a retrospective review of an appraisal? We can help you with that Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.