Attention homeowners in Fair Haven and Saint Clair County: Need an appraisal?
The top 7 reasons MI homeowners use Schnoor Real Estate Services, Inc.:
Own a home in or near Fair Haven, MI and need help determining the value of it?
At Schnoor Real Estate Services, Inc., we understand the special needs of a homeowner seeking appraisal services. While our typical business 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 (FSBO) / Pre-Listing Services
It's very hard to be objective about your house 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 a likely 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 your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your house is worth. Potential buyers know 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.
Need to remove PMI?
An attractive way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. Schnoor Real Estate Services, Inc. is experienced in helping homeowners just like you rid themselves of unneeded PMI insurance.
Challenging property tax assessments
Lets say you live in an area that is going down -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. The earlier 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. A professional appraisal from Schnoor Real Estate Services, Inc. is your number one weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow standpoint. Schnoor Real Estate Services, Inc. can help you reinstate your home equity line of credit with efficient appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for efficiency? An appraiser from Schnoor Real Estate Services, Inc. can go out and check the subject and comps in question in a field review. Or, if you need it 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.
Need a retrospective review of an appraisal? We can help with that too. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.