Appraisal services for Spring Lake and Ottawa County homeowners

See the top seven reasons MI homeowners call on Michigan Valuation Services, Inc:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge Ottawa county's assessment of your property
To lower your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a MI divorce, when real estate needs to be divided
Settle an estate in MI by determining the true market value of real estate in question

Need help deciding the value of your home in or near Spring Lake, MI?
Contact Michigan Valuation Services, Inc.

At Michigan Valuation Services, Inc, we understand the particular needs of a consumer after 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.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Michigan Valuation Services, Inc, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to cancel PMI

Getting 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 a lender to have the PMI removed from your loan. Michigan Valuation Services, Inc is veterans in helping people just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge Tax Assessment

If you live in a local area that is declining or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. An appraisal from Michigan Valuation Services, Inc is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

If your home is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. An appraisal from Michigan Valuation Services, Inc 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 want a seasoned professional to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comps. Or, if you need it immediately, 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? We can help with that too. Even though this is usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.