Need an appraisal in Columbia or Howard County?
The top seven reasons why MD homeowners order from Astute Appraisals, Inc.:
Own a house in or near Columbia, MD and need help determining the value of it?
We at Astute Appraisals, Inc. understand the individual needs of a consumer looking for appraisal services. While our usual 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 (FSBO)/Pre-Listing Services
It's very hard to be objective about your own home because you most likely have an emotional attachment to 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 very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.
Appraisals to remove PMI
An attractive money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Astute Appraisals, Inc., we're veterans in helping customers just like you get rid of unneeded and unwanted PMI insurance.
Challenging Howard county's assessment of your property
Your local tax assessor may have your house overvalued if your home is not appreciating as much as other houses close to yours. That only means you are paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Astute Appraisals, Inc. is your #1 weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be unsuitable from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Astute Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you'd prefer to have a professional double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Astute Appraisals, Inc. can go out and check the subject and comparables in question in a field review. If you're in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.