Real estate appraisal services for homeowners in the city of Conway and Emmet County

Here are the top reasons MI homeowners order from Joanne Fritz Appraisals:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower your mortgage payments
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in MI

Need help deciding the value of your house in or near Conway, MI?
Contact Joanne Fritz Appraisals.

We at Joanne Fritz Appraisals understand the particular needs of a consumer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a person not in the real estate field that ordinarily doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at Joanne Fritz Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to cancel PMI?

A fashionable way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experts in helping people just like you delete unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that's going down or is not appreciating as much as other homes close by. This only means you are most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Joanne Fritz Appraisals is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. An appraisal from Joanne Fritz Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd like to have a seasoned professional double-check it for verity or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you need it ASAP, 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.

We can also provide a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.