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Real estate appraisal services for homeowners in Saginaw, Bay and Midland Counties

Here are the top reasons Michigan homeowners order from Martinus Appraisal:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Saginaw, Bay and Midland Counties' assessment of your property value
  3. Remove PMI to reduce a monthly mortgage payment
  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 divorce in the state of Michigan, when property needs to be divided
  7. Determine the true market value of the real estate in question to settle an estate
Need help deciding the value of your home in Saginaw, Bay or Midland Counties? Contact Martinus Appraisal.

We at Martinus Appraisal understand the individual needs of a customer seeking appraisal services. Our regular business clients understand the appraisal process and the customary reporting formats. Being a person not in the real estate industry that ordinarily doesn't look at appraisals on a regular basis, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Martinus Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your house 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 estimation than yours.

Challenging a property tax assessment

Let's say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting a professional appraisal from Martinus Appraisal is your number one weapon when challenging your property tax assessment.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive money saver for homeowners. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Martinus Appraisal is qualified in helping customers just like you remove undesirable PMI insurance.

Recently got a freeze to your HELOC?

If your house is in a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can 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. A professional appraisal from Martinus Appraisal can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for accuracy? We can go out and check the subject and comparables in a field review. If you're in a rush, 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 retrospective review of any appraisal report you may have had in the past. Even though most review work is commissioned by lenders, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.