Appraisal services for Troy and Oakland County homeowners
Here are the top reasons MI homeowners call on Bittner Appraisal Group LLC:
Need help deciding the value of your house in or near Troy, MI?
We at Bittner Appraisal Group LLC understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our non-traditionalclient, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your own 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. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value judgement than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses 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 seasoned in helping people just like you delete unwanted PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your home overvalued if you live in an area that is going down or not appreciating as much as other homes nearby. This means you are going to pay higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from Bittner Appraisal Group LLC is your chief weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your property is close to a declining area, your lender may choose 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 difficult from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Bittner Appraisal Group LLC can help you reinstate your home equity line of credit with a professional appraisal.
Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for accuracy, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you need it immediately, we can provide 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 report you may have had in the past. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.