Appraisal services for Bay City, Bay County, Saginaw, Saginaw County, Midland, Midland County homeowners
Here are the top seven reasons why Michigan homeowners order from Accurate Appraisers:
At Accurate Appraisers, we understand the particular needs of a customer looking for appraisal services. Our usual business clients are used to the appraisal process and the usual "products" we deliver to them. Being a regular person not in the real estate industry that ordinarily doesn't see an appraisal on a regular basis, you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Accurate Appraisers 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 interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable 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 how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.
Challenge Tax AssessmentIf you live in a local area that is declining or is not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. This means you're 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 from Accurate Appraisers is your number one weapon when contesting your property tax assessment.
Need to remove PMI?An attractive way to save money 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 is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experts in helping folks just like you remove undesirable PMI insurance.
HELOC recently frozen?Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Accurate Appraisers can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Have you just received a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for verity or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? Accurate Appraisers offers field reviews where we'll go out and check the subject and comparables. If you're in a rush, 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 a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.