Attention homeowners in Holland and Ottawa County: Need an appraisal?
The top seven reasons MI homeowners need Smeenge And Associates:
Do you own a house in or near Holland? Do you need help deciding the price of your real estate?
We at Smeenge And Associates understand the special needs of a consumer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them. Pre-listing Services/For Sale By Owner (FSBO)Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Smeenge And Associates 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 selling price so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value opinion than yours. Need to cancel PMI?PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Smeenge And Associates, we're seasoned in helping consumers just like you get rid of unwanted PMI insurance. Challenge property tax assessmentsYour local tax assessor may have your home overvalued if your house not appreciating as much as other properties close to yours. This only means you're going to pay 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. An appraisal report from Smeenge And Associates is your number one weapon when contesting your property tax assessment. Recently got a freeze your HELOC?Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be inconvenient from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Smeenge And Associates can help you reinstate your home equity line of credit with efficient appraisal. We Also Provide Field and Desktop Appraisal Review ServicesDo you need an expert to double-check your appraisal for precision, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Smeenge And Associates can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, 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 report? We can help with that too. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property. |