Need an appraisal in Adrian or Lenawee County?

Here are the top reasons MI homeowners use J.A.L. Appraisal:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge Lenawee county's assessment of your propertyvalue
  3. Remove PMI to reduce a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a MI divorce, when real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate in Lenawee County or the state of MI

Do you own a house in or near Adrian? Do you need help deciding the value of your real estate?
Contact J.A.L. Appraisal.

We at J.A.L. Appraisal understand the unique needs of a homeowner seeking appraisal services. Our typical business clients understand the appraisal process and the usual "products" we deliver to them. As our client, you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at J.A.L. Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested 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 your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to cancel PMI?

A preferred way to cut costs 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". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. J.A.L. Appraisal is seasoned in helping clients just like you abolish undesirable PMI insurance.

Challenging property tax assessments

If you live in a local area that is declining or is not appreciating as much as other homes close by, your local tax assessor may have your home overvalued. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting an appraisal report from J.A.L. Appraisal is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. J.A.L. Appraisal can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for efficiency? An appraiser from J.A.L. Appraisal can go out and check the subject and comps in question in a field review. If you need it in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.