Appraisal services for Jim Falls and Chippewa County homeowners

Here are the top seven reasons why Wisconsin homeowners use Michael P. Clover:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
To challenge your property tax assessment in Wisconsin
To reduce their mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in Wisconsin by determining the true market value of a property


	Need help determining the value of your house in or near Jim Falls, Wisconsin? Contact Michael P. Clover.

At Michael P. Clover, we understand the special needs of a customer in need of appraisal services. Our customary business clients are used to the appraisal process and the standard reporting formats. Being a consumer that probably doesn't see an appraisal on a regular basis, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.

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

It's very hard to be objective about your home because of your emotional attachment to 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 interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home'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 more likely to give credibility to a qualified appraiser's value conclusion than yours.

Challenging Chippewa County's assessment of your property

Your local tax assessor may have your house overvalued if you live in a region that's going down. This only means you are probably paying higher taxes than you should be paying. The faster 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. An appraisal report from Michael P. Clover is your chief weapon when contesting your property tax assessment.

Need to remove PMI?

A preferred way to save money for homeowners is to get the PMI removed 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 is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. Michael P. Clover is qualified in helping consumers just like you abolish unwanted and unneeded PMI insurance.

HELOC recently frozen?

If your home is close to a declining area, your lender may 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 detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. Michael P. Clover can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for verity, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Michael P. Clover can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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 you may have had done before. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.