Attention homeowners in Columbia and Howard County: Need an appraisal?
The top seven reasons MD homeowners call on Astute Appraisals, Inc.:
Own a house in or near Columbia, MD and need help deciding the value of it?
We at Astute Appraisals, Inc. understand the particular needs of a consumer seeking appraisal services. While our typical 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 (FSBO) / Pre-Listing Services
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut expenses for homeowners. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Astute Appraisals, Inc., we're seasoned in helping customers just like you get rid of undesirable PMI insurance.
Challenge property tax assessments
If you live in an area that is going down or is not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. That only means you're probably 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. When contesting your property tax assessment, getting an appraisal report from Astute Appraisals, Inc. is your strongest weapon.
Recently got a freeze your HELOC?
Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- 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 troublesome from a cash flow viewpoint. Astute Appraisals, Inc. can provide you with an expert appraisal that will help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for verity? Astute Appraisals, Inc. offers field reviews where we'll go out and check the subject and comps in question. Or, if you're in a hurry, 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 help you with that. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.