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How to Appeal Your Property Assessment' Tips:

  1. Be Prepared!
    1. Your Assessor is aware of most properties in their district.
    2. They are aware of property condition, outstanding permits and past/future work.
  2. Your best defense is a recent appraisal/CMA - within 3 - 6 months at most.
    1. Appraisal MUST be reasonable.
    2. Some foreclosures can be used for value but only if representative of area.
  3. Take current sold information and other homes currently listed for sale.
    1. Again - be reasonable & realistic.
    2. Use only properties within your neighborhood.
  4. Tax abatement possibilities:
    1. Some municipalities allow for a home that is uninhabitable to have a ‘stay' in their property taxes for a full year while rehab work is completed.
  5. Your 2009 property assessment will be coming out anytime;
    1. NOTE at the bottom (usually in small print) will be the available dates you can make an appointment to petition with the Tax Board of Review.
    2. DON'T MISS THOSE DATES - It's the only chance you have until next year....

 

Environmentally Responsible Mortgages - Paper-Free for Two years and Running!

Candace B. Pinaud
Leave No Stone Mortgage Lending
a division of Ann Arbor Mortgage Company, LLC.

www.LeaveNoStone.com
734.476.3366
734.661.0379 Fax

 


Rate/Market Update
Leave No Stone Mortgage Lending
Greetings, I hope you are well and hanging in there in this ever-changing world of ours right now! First off - quick answer for y'all - YES, I am still in business and we are still lending money! Naturally, I have to follow that up with &lsquo…
Fannie Mae has lifted 'Declining Markets' policy!!
Leave No Stone Mortgage Lending
HUGE news for the mortgage industry. Since D-Day last August programs have been taken away daily & new restrictions are constantly being placed on what we do have. One big restriction was placed by Fannie Mae stating in automated underwriting…
Opt-Out of Pre-Approvals, Junk Mail, etc.
Leave No Stone Mortgage Lending
Good Morning! I have had a few issues come up lately with clients that have involved either identity theft, in smaller ways - such as folks taking out cell phone accounts in their names to bigger ways such as Capital One doing a 'soft-pull'…
100% financing available only for government loans, in Michigan
Leave No Stone Mortgage Lending
Well, the last 100% mortgage option has pretty much been taken away from us, and most others, in the country - as of March 31st. The Flex 100 has been discontinued. There are a couple of government programs that still allow 100% however. The…
100% financing dwindling away....
Leave No Stone Mortgage Lending
The mortgage market has not gotten any easier in the recent weeks… programs still being taken away from us and credit score enforcements are becoming even stricter. The State of Michigan has been declared, by almost all investors, a declining…
So, the Fed has 'cut the rates'.......what does that mean to mortgage rates?
Leave No Stone Mortgage Lending
So, the Fed has 'cut the rates' - twice no less - what exactly does that mean to those of us who have/want mortgages? The Fed cuts the rates that allow banks to borrow from each other and also to borrow from the Federal Reserve. Unless you…
1/22/08 - Fed Cuts Rates .75% in Special Meeting
Leave No Stone Mortgage Lending
The Federal Reserve held a special meeting last night which resulted in a 75% rate cut to the Fed Funds Rate to 3. 5%. This is the first intermeeting action since September, 2001 and the deepest one day Fed Cut since 1984! A brief statement issued…
Does each credit report pull count AGAINST the borrower?
Leave No Stone Mortgage Lending
Most of us in the industry have been counseled that when multiple lenders, car dealers, etc. pull a clients credit report within a certain time frame that the ‘inquiry ' only counts as ONE. Recent information from the credit bureaus has…
Time to pull your annual free credit report
Leave No Stone Mortgage Lending
WHAT'S ON YOUR CREDIT REPORT?? How to pull your ‘FREE' annual credit reports: Go to http://www. annualcreditreport. com/ Click on the drop down menu for which State you are in. Hit the 'GO' button and start filling out info. The…
 

Candace Pinaud

Ypsilanti, MI

More about me…

Leave No Stone Mortgage Lending

Address: 22 E Cross Street, Historic Depot Town, Ypsilanti, MI, 48198

Office Phone: (734) 476-3366

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