Real estate appraisal services for homeowners in the city of Effingham and Effingham County
Here are the top 7 reasons why Illinois homeowners hire Hartland Appraisals:
We at Hartland Appraisals understand the individual needs of a customer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a homeowner that ordinarily doesn't see an appraisal on a regular basis, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your home because you probably have an emotional attachment to it. A professional appraiser is objective and 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 interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.
Challenge Tax AssessmentIf you live in an area that is declining or not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. That only means you are paying more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Hartland Appraisals is your strongest weapon when challenging your property tax assessment.
PMI Removal AppraisalsA preferred way to cut costs for homeowners is to get 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 below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We are seasoned in helping consumers just like you rid yourselves of undesirable PMI insurance.
HELOC recently frozen?If your home is near a declining area, your lender may just 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 unsuitable from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Hartland Appraisals can provide you with efficient appraisal that will help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Have you just gotten a copy of your appraisal and you'd wish to have a professional double-check it for efficiency or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? Hartland Appraisals offers field reviews where we go out and check the subject and comparables. 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.
We can also provide a retrospective review of any appraisal report you may have in your possession. Although most appraisal reviews are requested by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.