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Need an appraisal in Highland or Oakland County?
Here are the top seven reasons Michigan homeowners need Lakeland Appraisal:
- Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
- To challenge a property tax assessment in Michigan
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Remove PMI to reduce a monthly mortgage payment
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Reinstate your Home Equity Line of Credit (HELOC)
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Verify a different appraiser's report
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If property needs to be divided because of a divorce
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Determine the true market value of the real estate in question to settle an estate in Michigan
At Lakeland Appraisal, we understand the unique needs of a consumer seeking appraisal services.
Our regular business clients are used to the appraisal process and the usual documents we provide. Being a person not in the real estate business that probably doesn't look at appraisals every day, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
For-Sale-by-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it.
The professional appraisers at Lakeland Appraisal 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 price to sell at so your home will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer.
It's something tangible to show your buyer.
It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth.
Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value report than yours.
Challenging Oakland County's assessment of your property
If you live in a local area that is going down or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued.
This means you are paying higher taxes than you should be paying.
Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be.
When challenging your property tax assessment, getting an appraisal from Lakeland Appraisal is your perfect weapon.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments.
Once your mortgage loan amount is below 80% of the value of your house, 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're qualified in helping clients just like you abolish undesirable PMI insurance.
Recently got a freeze to your HELOC?
Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or 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 difficult and inconvenient from a cash flow viewpoint.
Lakeland Appraisal can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for efficiency?
Lakeland Appraisal offers field reviews where we'll go out and check the subject and comparables.
Or, if you're in a rush, 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.
Do you need a retrospective review of an appraisal report? We can help with that too.
While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.
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