Real estate appraisal services for homeowners in the city of Escanaba and Delta County

Here are the top seven reasons why MI homeowners call on Delta Appraisal Service, Inc.:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To reduce a mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a MI divorce, when property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in MI

Own a house in or near Escanaba, MI and need help deciding the price of it?
Contact Delta Appraisal Service, Inc..

At Delta Appraisal Service, Inc., we understand the individual needs of a homeowner in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

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

It's very hard to be objective about your home because you probably 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. A professional appraisal is very valuable 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 interested buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value judgement than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Delta Appraisal Service, Inc., we're seasoned in helping consumers just like you rid themselves of undesirable PMI insurance.

Challenging property tax assessments

Lets say you live in an area that's going down -- your local tax assessor may have your house overvalued. This means you are most likely paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Delta Appraisal Service, Inc. is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can this be inconvenient from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. An appraisal from Delta Appraisal Service, Inc. can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for verity? We can go out and check the subject and comparables in a field review. If you're in a hurry, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal report you may have in your possession. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.