Attention homeowners in Caledonia and Allegan County: Need an appraisal?
See the top 7 reasons Michigan homeowners use Visser Appraisals, Ltd.:
At Visser Appraisals, Ltd., we understand the particular needs of a customer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. As our client, we will provide you with extra guidance and explanations through the appraisal process to 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 you most likely have an emotional attachment to it. Our professional appraisers at Visser Appraisals, Ltd. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's something concrete to show the buyer. The 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 much more likely to give credibility to an experienced appraiser's value judgement than yours.
Challenging property tax assessmentsLet's say you live in a region that is declining -- your local tax assessor may have your home overvalued. This only 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 earlier you take care of a matter like this, the better off you'll be. An expert appraisal from Visser Appraisals, Ltd. is your strongest weapon when contesting your property tax assessment.
Appraisals to cancel PMIPMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experienced in helping clients just like you delete unwanted PMI insurance.
HELOC recently frozen?If your house is close to a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. A professional appraisal from Visser Appraisals, Ltd. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Have you just accepted a copy of your appraisal and you would like to have an expert double-check it for precision or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? Visser Appraisals, Ltd. offers field reviews where we'll go out and check the subject and comparables. 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.
We can also provide you with a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.