Attention homeowners in Montrose and Genesee County: Need an appraisal?

Here are the top reasons MI homeowners hire Independent Realty Appraisal, Inc.:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge a MI property tax assessment
To cut a mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a MI divorce, when real estate property needs to be divided
To determine the true market value of real estate in question to settle an estate in Genesee county or MI

Own a home in or near Montrose, MI and need help determining the value of it?
Contact Independent Realty Appraisal, Inc..

We at Independent Realty Appraisal, Inc. understand the particular needs of a customer after appraisal services. While our typical 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. The professional appraisers at Independent Realty Appraisal, Inc. 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 property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value estimation than yours.

Appraisals to cancel PMI

An attractive way to cut costs for homeowners is getting the PMI removed 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 less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. We are experts in helping customers just like you dismiss undesirable PMI insurance.

Challenging Genesee county's assessment of your property

Lets say you live in a local area that's declining -- your local tax assessor may have your house overvalued. This only means you're going to pay higher taxes than you should be paying. The sooner 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. When challenging your property tax assessment, getting an appraisal report from Independent Realty Appraisal, Inc. is your chief weapon.

Was your HELOC recently frozen?

Your lender might make the decision 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 inconvenient from a cash flow viewpoint. An expert appraisal from Independent Realty Appraisal, Inc. can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for precision? An appraiser from Independent Realty Appraisal, Inc. can go out and check the subject and comps in question in a field review. Or, if you need it immediately, 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? Independent Realty Appraisal, Inc. can help you with that. While typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.