Real estate appraisal services for homeowners in the city of Ferndale and Oakland County
The top seven reasons MI homeowners need Property Valuation Group:
Need help determining the value of your house in or near Ferndale, MI?
At Property Valuation Group, we understand the unique needs of a homeowner in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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
It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Property Valuation Group, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan is less than 80% of the value of your property, 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're veterans in helping customers just like you do away with unwanted PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if your house not appreciating as much as other houses nearby. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Property Valuation Group is your #1 weapon.
HELOC recently frozen?
If your home is in or near a declining area, your lender just might 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 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 angle. Property Valuation Group can provide you with a professional appraisal to help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a professional to double-check your appraisal for efficiency, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're in a rush, we'll provide you with a 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 a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.