Attention homeowners in Kalamazoo, St. Joseph, Allegan and Van Buren Counties: Need an appraisal?
The top seven reasons Michigan homeowners call on Certified Appraisers of Greater Kalamazoo, LLC:
At Certified Appraisers of Greater Kalamazoo, LLC, we understand the individual needs of a consumer in need of appraisal services. Our regular business clients are used to the appraisal process and the standard reporting formats. But as a consumer, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your own house because you probably have an emotional attachment to 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 home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's 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 your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.
Challenge Tax AssessmentIf you live in a region that is declining or not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. This means you are going to pay higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Certified Appraisers of Greater Kalamazoo, LLC is your perfect weapon when challenging your property tax assessment.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're veterans in helping clients just like you rid yourselves of unwanted PMI insurance.
HELOC recently frozen?Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. An efficient appraisal from Certified Appraisers of Greater Kalamazoo, LLC can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review ServicesDo you need an expert to double-check your appraisal for verity, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're in a hurry, we'll 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? We can help with that too. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.