Need an appraisal in Flora or Clay County?

Here are the top reasons IL homeowners order from Smith Appraisals:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Clay county's assessment of your propertyvalue
Remove PMI to cut your mortgage payments
Reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a IL divorce, where property needs to be divided
Determine the true market value of property in question to settle an estate

Own a home in or near Flora, IL and need help deciding the price of it?
Contact Smith Appraisals.

At Smith Appraisals, we understand the individual needs of a customer seeking appraisal services. While our usual 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/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Smith 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 a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value opinion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is less than 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. Smith Appraisals is veterans in helping clients just like you get rid of unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other properties close to yours. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. Getting a professional appraisal from Smith Appraisals is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is in or near a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. Smith Appraisals can provide you with a professional appraisal that will help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it immediately, 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 a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house.