Why you should order an appraisal from Astute Appraisals, Inc.To a lot of us, an appraisal just looks like one more thing in the long list of items for a home sale or refinance. The majority of lenders still need a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation methods that may appear to be more cost-effective than an appraisal. Is obtaining a mortgage the only reason to acquire an appraisal? Are there also instances when the services of a certified, independent real estate professional might be beneficial? Of course. 
Dispute your tax assessmentIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in appealing your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance policy that many lenders ask homebuyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the home. Since the added payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met. Astute Appraisals, Inc. will provide you with a statement regarding the value of your home, and the cost of the appraisal can usually be regained in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from Astute Appraisals, Inc. Order todayDivorce settlement with less stressA divorce can be a very traumatic experience for both parties, and it is often more complicated by the strenuous decision of who gets the house. Regardless of the circumstances, it's a good idea to get an appraisal from Astute Appraisals, Inc. so both parties are fully aware of the true market value of their home. The parties will have a better idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation. Fair and accurate estate liquidationLosing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans do not have dedicated estate planners or executors to manage these affairs, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal. Move to or from Howard County through an employee relocation programWe are familiar with the stress associated with an employee relocation. That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, along with information regarding any new sales or listings in their neighborhood that they want considered during our intensive inspection. Close on your home promptly — at the right priceA professional appraisal can help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal report. On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long housesstay on the market. So, getting a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time. 
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