Attention homeowners in Troy and Miami County: Get an Appraisal today!

Here are the top 7 reasons OH homeowners call on Michael Williams:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To reduce a mortgage payment by removing PMI
  4. Reinstate their 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. To determine the true market value of property in question to settle an estate in Miami County or the state of OH

Need help deciding the value of your home in or near Troy, OH?
Contact Michael Williams.

At Michael Williams, we understand the special needs of a customer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. Being a consumer that most likely doesn't look at appraisals every day,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.

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

Since you have an emotional attachment to your own home, 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. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to cancel PMI

A preferred money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your house, 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. Michael Williams is veterans in helping people just like you delete unneeded and unwanted PMI insurance.

Challenging Miami county's assessment of your property

Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses close by. This means you're most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Michael Williams is your best weapon.

HELOC recently frozen?

If your property is in a declining area, your lender may choose 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 difficult from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Michael Williams can help you reinstate your HELOC.

We Also Provide 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 need a seasoned professional to double-check your appraisal for efficiency? An appraiser from Michael Williams can go out and check the subject and comparables in a field review. If you need it ASAP, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? Michael Williams can help with that too. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.