Need an appraisal in the Detroit-Metro Area, SE Michigan, & Greater Michigan?
Here are the top 7 reasons why Michigan homeowners order from H.J. Ford & Associates:
At H.J. Ford & Associates, we understand the individual needs of a homeowner after appraisal services. Our usual business clients understand the appraisal process and the customary reporting formats. But as a consumer, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at H.J. Ford & Associates will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's market value, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.
Challenging Wayne County's assessment of your propertyYour local tax assessor may have your home overvalued if your house not appreciating as much as other properties close to yours. This means you're paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from H.J. Ford & Associates is your number one weapon when contesting your property tax assessment.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are qualified in helping consumers just like you delete unneeded and unwanted PMI insurance.
Recently got a freeze to your HELOC?Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. H.J. Ford & Associates can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesDo you need a seasoned appraiser to double-check your appraisal for verity, or do you need a second opinion without the charge 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 need it immediately, we'll provide 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? We can assist you. Even though most appraisal reviews are requested by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.