Attention homeowners: Real estate appraisal services for in Gaylord and Otsego County

Here are the top 7 reasons MI homeowners use Appraisal Services of Northern Michigan, LLC:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To cut their mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a MI divorce, where real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate

Need help determining the value of your house in or near Gaylord, MI?
Contact Appraisal Services of Northern Michigan, LLC.

We at Appraisal Services of Northern Michigan, LLC understand the special needs of a consumer in need of appraisal services. Our customary business clients understand the appraisal process and the usual documents we provide. Being a consumer that ordinarily doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your own home because of your 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. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive money saver for homeowners. Once your mortgage loan is down below 80% of the value of your property, 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. We are experienced in helping people just like you abolish unwanted PMI insurance.

Challenge Otsego county's assessment of your property

If you live in an area that is declining or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Appraisal Services of Northern Michigan, LLC is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your house is in or near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. Appraisal Services of Northern Michigan, LLC can provide you with an expert appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? Appraisal Services of Northern Michigan, LLC offers field reviews where we go out and check the subject and comparables. Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can We can assist you Even though this is usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.