Appraisal services for Columbia and Howard County homeowners
Here are the top seven reasons MD homeowners order from Astute Appraisals, Inc.:
Do you own a house in or near Columbia? Do you need help determining the price of your real estate?
At Astute Appraisals, Inc., we understand the individual needs of a consumer seeking 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.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Astute Appraisals, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping clients just like you remove undesirable PMI insurance.
Challenge property tax assessments
If you live in a local area that is going down or is not appreciating as much as other properties 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. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting a professional appraisal from Astute Appraisals, Inc. is your #1 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 house is close to a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. An efficient appraisal from Astute Appraisals, Inc. can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would like to have an expert double-check it for precision or do you want a second opinion without the cost 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 comps. Or, if you need it immediately, we can 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. Even though this is usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.