Appraisal services for Manistee and Manistee County homeowners
The top seven reasons why MI homeowners hire West Michigan Appraisal:
Own a house in or near Manistee, MI and need help deciding the price of it?
At West Michigan Appraisal, we understand the unique needs of a customer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at West Michigan Appraisal, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value estimation than yours.
Need to remove PMI?
A fashionable way to cut expenses for homeowners is to get 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 a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At West Michigan Appraisal, we're veterans in helping homeowners just like you dismiss unnecessary PMI insurance.
Challenge property tax assessments
Lets say your house is not appreciating as much as other homes close by -- your local tax assessor may have your house 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 sooner you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from West Michigan Appraisal is your chief weapon.
Was your HELOC recently frozen?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in 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 detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from West Michigan Appraisal can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for preciseness? West Michigan Appraisal offers field reviews where we'll go out and check the subject and comps in question. 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 wish to use this service if you suspect mortgage fraud related to your house.