Attention homeowners: Real estate appraisal services for in Flora and Clay County
Check out the top 7 reasons why IL homeowners hire Pettit Appraisals:
Own a house in or near Flora, IL and need help deciding the value of it?
We at Pettit Appraisals understand the special needs of a customer seeking appraisal services. While our typical business 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 (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Pettit Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It gives you something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value opinion than yours. Need to cancel PMI?A preferred way to cut costs for homeowners is getting the PMI eliminated 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 is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. We are qualified in helping consumers just like you get rid of unwanted PMI insurance. Challenging Clay county's assessment of your propertyIf you live in a local area that is declining or not appreciating as much as other homes close by, your local tax assessor may have your home overvalued. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. When contesting your property tax assessment, getting an expert appraisal from Pettit Appraisals is your best weapon. Was your HELOC recently frozen?If your home is close to a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Pettit Appraisals can help you reinstate your home equity line of credit with an expert appraisal. Field and Desktop Appraisal Review ServicesHave you just accepted a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for verity or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you need it ASAP, we can 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 you with a a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home. |