Attention homeowners in Holly and Oakland County: Get an Appraisal today!

Here are the top 7 reasons MI homeowners need Corey Spohn:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Oakland county's assessment of your propertyworth
To reduce your monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in MI

Do you own a house in or near Holly? Do you need help determining the price of your real estate?
Contact Corey Spohn.

At Corey Spohn, we understand the special needs of a consumer in need of 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 (FSBO)

It's very hard to be objective about your own house because of your 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 price to sell at so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money 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 your lender to have the PMI removed from your loan. At Corey Spohn, we're experts in helping people just like you abolish unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that's declining or not appreciating as much as other houses close by. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Corey Spohn is your perfect weapon.

HELOC recently frozen?

If your property is near a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Corey Spohn can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for efficiency? An appraiser from Corey Spohn can go out and check the subject and comps in question in a field review. 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.

Do you need a retrospective review of an appraisal report? Corey Spohn can help you with that. While usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your house.