Attention homeowners in Manistee and Manistee County: Need an appraisal?
Check out the top seven reasons MI homeowners hire West Michigan Appraisal:
Do you own a house in or near Manistee? Do you need help determining the price of your real estate?
At West Michigan Appraisal, we understand the particular needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. Being a consumer that ordinarily doesn't see an appraisal every day,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at West Michigan Appraisal 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 selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.
Need to cancel PMI?
A fashionable way to cut costs 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 less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. West Michigan Appraisal is veterans in helping people just like you rid yourselves of unwanted and unneeded PMI insurance.
Challenging property tax assessments
If you live in a region that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. An appraisal report 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 make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. An efficient appraisal from West Michigan Appraisal can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? West Michigan Appraisal offers field reviews where we'll go out and check the subject and comps. If you need it immediately, 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.
We can also provide you with a a retrospective review of any appraisal report you may have had done before. Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.