Real estate appraisal services for homeowners in the city of Columbia and Howard County
The top 7 reasons MD homeowners need Astute Appraisals, Inc.:
Do you own a home in or near Columbia? Do you need help determining the value of your real estate?
At Astute Appraisals, Inc., we understand the special needs of a homeowner seeking appraisal services. While our typical business 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. Pre-listing Services/For Sale By Owner (FSBO)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. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value report than yours. PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. Astute Appraisals, Inc. is veterans in helping consumers just like you dismiss unneeded PMI insurance. Challenging a property tax assessmentLets say you live in a region that's declining -- your local tax assessor may have your house overvalued. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting an appraisal from Astute Appraisals, Inc. is your chief weapon when contesting your property tax assessment. Recently got a freeze your HELOC?Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be inopportune from a cash flow angle, 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. Field and Desktop Appraisal Review ServicesHave you just gotten a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Astute Appraisals, Inc. can go out and check the subject and comps in question in a field review. If you need it in a rush, 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. Do you need a retrospective review of an appraisal report? Astute Appraisals, Inc. can We can assist you. Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house. |