Julie HoweCertified Residential Appraiser
(231) 929-3930

Mortgage appraisals for purchase and refinance loans

Julie Howe appraises homes for purchase and refinance loans in 11 northern Michigan counties, from Ludington to Mackinac Island. She is a Michigan Certified Residential Appraiser (license 1204004614) and is ready for UAD 3.6, the redesigned appraisal dataset that has been mandatory for Fannie Mae and Freddie Mac loans since November 2, 2026.

Lenders and AMCs

Send a panel invite or an order through the form below and pick "AMC or lender panel invite". Julie covers Grand Traverse, Leelanau, Benzie, Antrim, Kalkaska, Wexford, Manistee, Mason, Charlevoix, Emmet and Mackinac counties, including island and seasonal property.

Buying or refinancing?

Your lender orders the appraisal for your loan, so start with your loan officer. If you are removing PMI or want a value before you apply, you can order directly, and our team will send a no obligation quote.

Common questions

What is UAD 3.6?
UAD 3.6 is the redesigned Uniform Appraisal Dataset used by Fannie Mae and Freddie Mac. It replaces the old appraisal forms with one data driven report, and it became mandatory for their loans on November 2, 2026. Julie is ready to deliver it.
Can I choose the appraiser for my mortgage?
Usually not. Lenders order the appraisal for your loan, often through an appraisal management company. You can order your own appraisal for other uses, such as PMI removal, a tax appeal or pricing a home before you sell.
Appraisal Requestyour town

Sources
  1. Fannie Mae, Uniform Appraisal Dataset
  2. ASC appraiser registry, Julie Howe