Appraisal services for Cedar Springs and Kent County homeowners

The top reasons MI homeowners call on Cary Appraisal, LLC:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Kent county's assessment of your propertyvalue
  3. Remove PMI to reduce your monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate

Own a home in or near Cedar Springs, MI and need help determining the price of it?
Contact Cary Appraisal, LLC.

We at Cary Appraisal, LLC understand the particular needs of a homeowner in need of appraisal services. Our typical business clients are used to the appraisal process and the standard reporting formats. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an 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 house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to cancel PMI?

A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. Cary Appraisal, LLC is seasoned in helping clients just like you remove undesirable PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that's going down. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. A professional appraisal from Cary Appraisal, LLC is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

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

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for accuracy? We can go out and check the subject and comps 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.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.