Attention homeowners: Real estate appraisal services for in Columbia and Howard County
Check out the top reasons MD homeowners need Astute Appraisals, Inc.:
Need help determining the price of your house in or near Columbia, MD?
We at Astute Appraisals, Inc. understand the particular needs of a homeowner after appraisal services. Our regular business clients understand the appraisal process and the usual documents we provide. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own house because you probably 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 price to sell at so your house will attract buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan 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 experienced in helping folks just like you remove unneeded and unwanted PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other properties close to yours. That only means you're paying 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. Getting an appraisal from Astute Appraisals, Inc. is your strongest weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your house is in or near a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Astute Appraisals, Inc. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for precision? In a field review we'll go out and check the subject and comps in question. If you need it immediately, 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.
Need a retrospective review of an appraisal? We can help with that too. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.