Appraisal services for Hillsdale and Hillsdale County homeowners

The top seven reasons MI homeowners use Legacy Appraisal Services:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower your mortgage payments
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Hillsdale County or the state of MI

Own a house in or near Hillsdale, MI and need help determining the price of it?
Contact Legacy Appraisal Services.

We at Legacy Appraisal Services understand the individual needs of a customer in need of appraisal services. While our typical 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.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Legacy Appraisal Services, are objective. We'll 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 many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping people just like you get rid of unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that is declining. This means you are paying 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. Getting an expert appraisal from Legacy Appraisal Services is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. An efficient appraisal from Legacy Appraisal Services can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comparables. Or, if you need it ASAP, 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? We can help with that too. Even though this is usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.