Need an appraisal in Aurora or Kane County?
See the top 7 reasons IL homeowners call on Central States Appraisal Company:
Need help determining the price of your house in or near Aurora, IL?
We at Central States Appraisal Company understand the special needs of a consumer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a consumer that probably doesn't see an appraisal on a regular basis,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Central States Appraisal Company, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.
Need to remove PMI?
A preferred money saver for homeowners is to get 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 property. In most cases you can apply to your lender to have the PMI canceled from your loan. We're experienced in helping homeowners just like you rid themselves of undesirable PMI insurance.
Challenge Tax Assessment
Lets say you live in an area that's declining -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Central States Appraisal Company is your number one weapon.
Recently got a freeze your HELOC?
If your home is in or near a declining area, your lender may 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 this be troublesome from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. Central States Appraisal Company can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you would wish to have a seasoned professional double-check it for preciseness or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Central States Appraisal Company can go out and check the subject and comps in question in a field review. Or, if you need it in a rush, 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.
Need a retrospective review of an appraisal? We can We can assist you Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house.