Need an appraisal in West Michigan?

See the top 7 reasons why West Michigan homeowners hire Wise Appraisal:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to reduce a mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a MI divorce, when real estate property needs to be divided
To settle an estate in MI by determining the true market value of property in question

Need help determining the price of your house?
Contact Wise Appraisal.

At Wise Appraisal, we understand the particular needs of a homeowner looking for appraisal services. While our usual 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 house because of your emotional attachment to it. Our professional appraisers at Wise Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at 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 price, not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Appraisals to remove PMI

A fashionable way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are seasoned in helping folks just like you delete unnecessary PMI insurance.

Challenging Ottawa county's assessment of your property

If you live in an area that is declining or not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. The faster 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. An expert appraisal from Wise Appraisal is your strongest weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Wise Appraisal can help you reinstate your HELOC.

Do You Need 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 desire a seasoned expert to double-check your appraisal for verity? An appraiser from Wise Appraisal can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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 done before. While usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.