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.:
Do you own a house in or near Columbia? Do you need help deciding the price of your real estate?
We at Astute Appraisals, Inc. understand the particular needs of a consumer in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. We're qualified in helping clients just like you delete unneeded PMI insurance.
Challenge Howard county's assessment of your property
Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties nearby. This means you're going to pay 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. When challenging your property tax assessment, getting an appraisal from Astute Appraisals, Inc. is your #1 weapon.
Recently got a freeze your HELOC?
If your property is close to a declining area, your lender might 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 unsuitable from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Astute Appraisals, Inc. can help you reinstate your home equity line of credit with efficient appraisal.
We Also Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for precision or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Astute Appraisals, Inc. offers field reviews where we'll go out and check the subject and comparables in question. If you need it immediately, we'll provide you with a 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 report? Astute Appraisals, Inc. can help you with that. While typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.