Attention homeowners in Newberry and Luce County: Need an appraisal?

The top seven reasons MI homeowners call on Northern Living Appraisals:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. To challenge a MI property tax assessment
  3. Remove PMI to cut a mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a MI divorce, when real estate property needs to be divided
  7. Settle an estate in MI by determining the true market value of property in question

Need help deciding the price of your home in or near Newberry, MI?
Contact Northern Living Appraisals.

We at Northern Living Appraisals understand the unique needs of a homeowner looking for appraisal services. While our typical 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.

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. The professional appraisers at Northern Living Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your home, 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. We are experienced in helping homeowners just like you get rid of unnecessary PMI insurance.

Challenging property tax assessments

Lets say you live in an area that is going down -- your local tax assessor may have your home overvalued. This means you're most likely paying higher taxes than you should be paying. The sooner 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. A professional appraisal from Northern Living Appraisals is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Northern Living Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

We Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Northern Living Appraisals can go out and check the subject and comps in a field review. Or, if you're in a rush, we can provide 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? Northern Living Appraisals can We can assist you. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.