Attention homeowners in Saint Clair Shores and Macomb County: Get an Appraisal today!

The top seven reasons why MI homeowners use Terry Hart:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
Remove PMI to reduce a monthly mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a MI divorce, where property needs to be divided
To settle an estate in Macomb county or MI by determining the true market value of real estate in question

Need help deciding the price of your home in or near Saint Clair Shores, MI?
Contact Terry Hart.

We at Terry Hart understand the individual needs of a consumer after appraisal services. Our customary business clients get the appraisal process and the customary "products" we deliver to them. Being a regular homeowner that most likely doesn't see an appraisal every day,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

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. Professional appraisers, like the ones at Terry Hart, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to remove PMI?

A fashionable money saver 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 amount is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan. We're veterans in helping consumers just like you rid themselves of unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other homes close to yours. That means you are probably paying more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Terry Hart is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

If your home is in or near a declining area, your lender might just 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 inconvenient from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Terry Hart can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for verity? We can go out and check the subject and comps in a field review. Or, if you're in a hurry, we can 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? Terry Hart can help with that too. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.