Need an appraisal in Clawson or Oakland County?
See the top 7 reasons why MI homeowners hire Clearbrook Appraisal:
Own a home in or near Clawson, MI and need help determining the value of it?
At Clearbrook Appraisal, we understand the special needs of a consumer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a person not in the real estate business that most likely doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Clearbrook Appraisal are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping customers just like you do away with undesirable PMI insurance.
Challenge Tax Assessment
Lets say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Clearbrook Appraisal is your chief weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be difficult from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Clearbrook Appraisal can help you reinstate your home equity line of credit with a professional appraisal.
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 want a seasoned appraiser to double-check your appraisal for verity? In a field review we'll go out and check the subject and comps. Or, if you need it in a rush, 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.
Need a retrospective review of an appraisal? We can help with that too. While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.