Attention homeowners in Oswego and Kendall County: Need an appraisal?
See the top reasons IL homeowners need A-1 Appraisal (630) 551-2464:
Need help determining the price of your home in or near Oswego, IL?
We at A-1 Appraisal (630) 551-2464 understand the unique needs of a homeowner in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at A-1 Appraisal (630) 551-2464 are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is very important 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 home's price -- not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value judgement than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. 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 canceled from your loan, which will make your monthly payments go down. We're veterans in helping consumers just like you get rid of unnecessary PMI insurance.
Challenging a property tax assessment
If you live in an area that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from A-1 Appraisal (630) 551-2464 is your #1 weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be inopportune from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from A-1 Appraisal (630) 551-2464 can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just gotten a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for preciseness or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? A-1 Appraisal (630) 551-2464 offers field reviews where we go out and check the subject and comps. If you need it ASAP, we'll provide you with a 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? A-1 Appraisal (630) 551-2464 can help with that too. Even though this is typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.