Attention homeowners in Galena and Jo Daviess County: Get an Appraisal today!
The top seven reasons Illinois homeowners use Homestead Appraisals, Ltd.:
- Find the right listing price (whether you're using an agent or selling the home on your own)
- To challenge a property tax assessment in Illinois
Remove PMI to cut your monthly mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
Settle an estate in Illinois by determining the true market value of a property
We at Homestead Appraisals, Ltd. understand the special needs of a consumer after appraisal services.
While our usual 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
It's very hard to be objective about your own house because you most likely have an emotional attachment to it.
The professional appraisers at Homestead Appraisals, Ltd. will tell you what you need to know -- not just what you want to hear. We are objective.
In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer.
The appraisal is something concrete to show your buyer.
An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth.
Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value report than yours.
Challenge Jo Daviess County's assessment of your property
Your local tax assessor may have your house overvalued if you live in a local area that is going down or is not appreciating as much as other houses close to yours.
This only 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 a matter like this, the better off you'll be.
Getting a professional appraisal from Homestead Appraisals, Ltd. is your #1 weapon when contesting your property tax assessment.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI canceled 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 house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down.
At Homestead Appraisals, Ltd., we're qualified in helping people just like you abolish undesirable PMI insurance.
HELOC recently frozen?
If your house is near a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value.
This can be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint.
Homestead Appraisals, Ltd. can help you reinstate your home equity line of credit with efficient appraisal.
We Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd like to have a veteran appraiser double-check it for efficiency or do you need a second opinion without the charge and delay of waiting for a whole new appraisal?
In a field review we'll go out and check the subject and comps.
If you need it in a rush, we'll 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? We can help with that too.
Even though most review work is commissioned by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opinion.
Phone: Cell: Fax:
Homestead Appraisals, Ltd. 201 S High St P.O. Box 6333 Galena, IL 61036-6333
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