Attention homeowners in Big Rapids and Mecosta County: Get an Appraisal today!

The top seven reasons why MI homeowners hire Ken Decker Appraisals:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower a mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in MI by determining the true market value of real estate in question

Own a house in or near Big Rapids, MI and need help deciding the value of it?
Contact Ken Decker Appraisals.

We at Ken Decker Appraisals understand the special needs of a homeowner seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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. 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 important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value assessment than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, 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 veterans in helping clients just like you rid yourselves of unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in an area that is going down. That only means you are most likely 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 a matter like this, the better off you'll be. Getting an expert appraisal from Ken Decker Appraisals is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is near a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Ken Decker Appraisals can provide you with efficient appraisal that will help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Ken Decker Appraisals can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll provide 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 need to exploit this service if you suspect mortgage fraud related to your house.