Attention homeowners in Kingsley and Grand Traverse County: Need an appraisal?

Here are the top reasons MI homeowners hire SJF Appraisal LLC:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower a mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate in Grand Traverse county or MI

Need help determining the price of your home in or near Kingsley, MI?
Contact SJF Appraisal LLC.

At SJF Appraisal LLC, we understand the particular needs of a customer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, 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 very crucial as a negotiating tool once you have an attainable 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 the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house 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 judgement than yours.

Appraisals to cancel PMI

A popular way to cut costs for homeowners is to get the PMI canceled 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 property. In most cases you can apply to your lender to have the PMI removed from your loan. At SJF Appraisal LLC, we're veterans in helping clients just like you do away with unnecessary PMI insurance.

Challenging Grand Traverse county's assessment of your property

Your local tax assessor may have your home overvalued if you live in an area that is going down or is not appreciating as much as other houses nearby. That means you are paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from SJF Appraisal LLC is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. SJF Appraisal LLC can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would like to have a seasoned expert double-check it for verity or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps 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? SJF Appraisal LLC can help you with that. While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.