Attention homeowners: Real estate appraisal services for in Manistee and Manistee County
Here are the top reasons MI homeowners call on West Michigan Appraisal:
Need help determining the price of your house in or near Manistee, MI?
At West Michigan Appraisal, we understand the individual needs of a customer in need of appraisal services. While our usual 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
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at West Michigan Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value opinion than yours.
Appraisals to remove PMI
A popular way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. We are veterans in helping consumers just like you get rid of unwanted and unneeded PMI insurance.
Challenge a property tax assessment
Lets say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. That means you are most likely 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. An expert appraisal from West Michigan Appraisal is your number one 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 might choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be inopportune from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. West Michigan Appraisal can provide you with an expert appraisal that will help you reinstate your home equity line of credit.
We Offer Field and Desktop Appraisal Review Services
Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for precision? An appraiser from West Michigan Appraisal can go out and check the subject and comps in question in a field review. If you need it ASAP, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal you may have had done before. Even though this is usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your home.