Own a home northshore and need help determining the value of it?
Contact Joseph Mier & Associates.
At Joseph Mier & Associates, we understand the individual needs of a consumer in need of appraisal services. Our typical business clients understand the appraisal process and the standard documents we provide. But as a general consumer,you’ll receive extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.
Since you have an emotional attachment to your own home, it’s often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. 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 house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser’s value judgement than yours.
Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties close by. That only means you’re probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you’ll be. Getting an expert appraisal from Joseph Mier & Associates is your number one weapon when challenging your property tax assessment.
Getting the PMWe (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. 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 the lender to have the PMWe canceled from your loan. At Joseph Mier & Associates, we’re seasoned in helping consumers just like you abolish undesirable PMWe insurance.
Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area — even if your specific property has not declined in value. Not only can this be troublesome from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Joseph Mier & Associates can provide you with efficient appraisal to help you reinstate your HELOC.
Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for precision? We can go out and check the subject and comparables in question in a field review. If you’re in a hurry, we’ll provide you with a 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 in your possession. Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.