Appraisal services for Columbia and Howard County homeowners
The top 7 reasons why MD homeowners order from Astute Appraisals, Inc.:
Own a home in or near Columbia, MD and need help determining the price of it?
We at Astute Appraisals, Inc. understand the individual needs of a homeowner looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your home because of your 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 important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It gives you something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.
Need to remove PMI?
A fashionable money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are qualified in helping clients just like you rid yourselves of unnecessary PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses close to yours. This only means you're most likely paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from Astute Appraisals, Inc. is your best weapon when contesting your property tax assessment.
HELOC recently frozen?
If your house is close to a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - 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 inconvenient from a cash flow point of view. An appraisal from Astute Appraisals, Inc. can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for precision or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you need it in a rush, we can 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 We can assist you. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.