Attention homeowners in Columbia and Howard County: Need an appraisal?
Here are the top seven reasons MD homeowners use Astute Appraisals, Inc.:
Do you own a home in or near Columbia? Do you need help determining the price of your real estate?
At Astute Appraisals, Inc., we understand the special needs of a customer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a regular consumer that ordinarily doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Astute Appraisals, Inc., will be objective. We 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 house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value judgement than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping people just like you rid themselves of undesirable PMI insurance.
Challenge Tax Assessment
Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. That only means you're going to pay more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Astute Appraisals, Inc. is your #1 weapon.
HELOC recently frozen?
Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. A professional appraisal from Astute Appraisals, Inc. can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for efficiency, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? Astute Appraisals, Inc. offers field reviews where we go out and check the subject and comparables in question. Or, if you need it in a rush, 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 We can assist you. Even though this is typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.