Real estate appraisal services for homeowners in the city of Columbia and Howard County
See the top seven 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 special needs of a homeowner in need of appraisal services. While our usual 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/Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Astute Appraisals, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value assessment than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to save money for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Astute Appraisals, Inc. is experienced in helping clients just like you rid themselves of unneeded and unwanted PMI insurance.
Challenging a property tax assessment
Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your home overvalued. This means you are probably paying higher taxes than you should be paying. 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 an expert appraisal from Astute Appraisals, Inc. is your perfect weapon.
HELOC recently frozen?
If your house is close to a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. An efficient appraisal from Astute Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for efficiency? We can go out and check the subject and comparables in question 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.
Do you need a retrospective review of an appraisal? Astute Appraisals, Inc. can help with that too. Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.