Real estate appraisal services for homeowners in the city of Alfred and York County

The top reasons ME homeowners hire Michelle Kroitzsh:

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

Own a home in or near Alfred, ME and need help determining the price of it?
Contact Michelle Kroitzsh.

At Michelle Kroitzsh, we understand the unique 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 an extra level of customer 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 house, it's often very hard to be objective about it. Professional appraisers, like the ones at Michelle Kroitzsh, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value opinion than yours.

Need to remove PMI?

A preferred way to cut expenses for homeowners is getting the PMI canceled 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 down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. We're seasoned in helping folks just like you rid yourselves of unnecessary PMI insurance.

Challenging a property tax assessment

If you live in a local area that is going down or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. This 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 faster you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from Michelle Kroitzsh is your number one weapon.

Was your HELOC recently frozen?

If your house is close to a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow viewpoint. Michelle Kroitzsh can provide you with an expert appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for precision? We can go out and check the subject and comps 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.

Need a retrospective review of an appraisal? We can help with that too. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.