Appraisal services for CIL homeowners
The top 7 reasons IL homeowners use O'Brien Appraisal Group, LLC:
Need help determining the price of your house?
We at O''Brien Appraisal Group, LLC understand the unique needs of a homeowner seeking appraisal services. While our typical 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
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at O'Brien Appraisal Group, LLC, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan 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, which will make your monthly payments go down. At O'Brien Appraisal Group, LLC, we're qualified in helping customers just like you dismiss unwanted and unneeded PMI insurance.
Challenge Tax Assessment
Lets say you live in an area that is going down -- your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. 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. When contesting your property tax assessment, getting an appraisal report from O'Brien Appraisal Group, LLC is your number one weapon.
HELOC recently frozen?
If your house is 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 be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. O'Brien Appraisal Group, LLC 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'd wish to have a professional double-check it for verity or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from O''Brien Appraisal Group, LLC can go out and check the subject and comparables in question in a field review. If you're in a hurry, 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.
Do you need a retrospective review of an appraisal? O''Brien Appraisal Group, LLC can help you with that. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.