Attention homeowners in Saint Clair Shores and Macomb County: Need an appraisal?

Check out the top seven reasons why MI homeowners hire The Appraisers Office:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a MI property tax assessment
Remove PMI to cut your monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
To settle an estate in MI by determining the true market value of real estate in question

Own a house in or near Saint Clair Shores, MI and need help determining the price of it?
Contact The Appraisers Office.

We at The Appraisers Office understand the particular needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a regular person not in the real estate business that most likely doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your home, it's often very hard to be objective about 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 selling price so your house will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value report than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, 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 veterans in helping folks just like you delete unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that's going down or is not appreciating as much as other homes close to yours. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. Getting an appraisal from The Appraisers Office is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your home is near a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. A professional appraisal from The Appraisers Office can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? The Appraisers Office offers field reviews where we'll go out and check the subject and comps. Or, if you're in a hurry, 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.

We can also provide a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.