Need an appraisal in Columbia or Howard County?

Here are the top seven reasons why MD homeowners hire Astute Appraisals, Inc.:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. To challenge a MD property tax assessment
  3. To reduce their monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Own a house in or near Columbia, MD and need help deciding the price of it?
Contact Astute Appraisals, Inc..

At Astute Appraisals, Inc., we understand the special needs of a consumer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. As our non-traditionalclient, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

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 selling price so your home will attract buyers, a professional appraisal is very crucial as a 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 you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get 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 the lender to have the PMI canceled from your loan. At Astute Appraisals, Inc., we're experts in helping folks just like you abolish unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close to yours. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting a professional appraisal from Astute Appraisals, Inc. is your strongest weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be unsuitable from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Astute Appraisals, Inc. can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a seasoned appraiser double-check it for precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Astute Appraisals, Inc. can go out and check the subject and comps in a field review. If you need it ASAP, 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.

Need a retrospective review of an appraisal? We can help you with that While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.

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