Need an appraisal in Belding or Kent County?

Here are the top seven reasons why Michigan homeowners call on Tomich & Associates, LLC:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To lower a monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a divorce in the state of Michigan, when real estate needs to be divided
  7. To determine the true market value of real estate to settle an estate
Need help determining the price of your house in or near Belding, Michigan? Contact Tomich & Associates, LLC.

At Tomich & Associates, LLC, we understand the unique needs of a consumer seeking appraisal services. Our regular business clients understand the appraisal process and the usual "products" we deliver to them. Being a regular consumer that most likely doesn't see an appraisal on a regular basis, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Tomich & Associates, LLC will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.

Challenging Kent County's assessment of your property

If you live in a local area that is declining or is not appreciating as much as other houses close to yours, 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 things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Tomich & Associates, LLC is your #1 weapon when contesting your property tax assessment.

Appraisals to cancel PMI

An attractive way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down 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 canceled from your loan. We're seasoned in helping folks just like you remove unwanted PMI insurance.

Was your HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Tomich & Associates, LLC can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd wish to have a seasoned professional double-check it for accuracy or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Tomich & Associates, LLC can go out and check the subject and comps in a field review. Or, if you need it immediately, 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 you with a retrospective review of any appraisal you may have had in the past. Even though most review work is requested by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.