Need an appraisal in Manistee or Manistee County?
The top seven reasons why MI homeowners need West Michigan Appraisal:
Do you own a house in or near Manistee? Do you need help determining the price of your real estate?
We at West Michigan Appraisal understand the unique needs of a customer in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your house 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?
An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. West Michigan Appraisal is seasoned in helping folks just like you get rid of undesirable PMI insurance.
Challenging Manistee county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a region that's going down. That only means you are paying more taxes than you should. The quicker 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 expert appraisal from West Michigan Appraisal is your best weapon.
Recently got a freeze your HELOC?
Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can this be difficult 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. An efficient appraisal from West Michigan Appraisal can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you'd like to have a veteran appraiser double-check it for accuracy or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it in a rush, 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? West Michigan Appraisal can help you with that. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.