Appraisal services for Columbia and Howard County homeowners
Here are the top reasons MD homeowners hire Astute Appraisals, Inc.:
Own a house in or near Columbia, MD and need help determining the price of it?
At Astute Appraisals, Inc., we understand the particular needs of a customer after appraisal services. While our usual business 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.
Pre-listing Services/For Sale By Owner (FSBO)
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 home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. 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. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. We are experts in helping customers just like you do away with unwanted and unneeded PMI insurance.
Challenging property tax assessments
Lets say your home is not appreciating as much as other houses close to yours -- your local tax assessor may have your home overvalued. This means you are going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better, 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 perfect weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow point of view. Astute Appraisals, Inc. can provide you with an expert appraisal that will help you reinstate your home equity line of credit.
Need Field and Desktop Appraisal Review Services?
Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for precision? An appraiser from Astute Appraisals, Inc. can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, we can 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 report? Astute Appraisals, Inc. can help with that too. While usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.