Attention homeowners: Real estate appraisal services for in Glen Ellyn and Dupage County
The top 7 reasons why IL homeowners need Clarity Valuation, Inc.:
Own a home in or near Glen Ellyn, IL and need help deciding the value of it?
At Clarity Valuation, Inc., we understand the individual needs of a customer after appraisal services. Our customary business clients get the appraisal process and the usual "products" we deliver to them. Being a regular person not in the real estate field that most likely doesn't see an appraisal on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at Clarity Valuation, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value assessment than yours.
PMI Removal Appraisals
A preferred way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your house, 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. We are experts in helping consumers just like you remove unneeded PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your home overvalued if you live in a local area that's going down. This only means you are going to pay higher taxes than you should be paying. 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. Getting an appraisal report from Clarity Valuation, Inc. is your strongest weapon when challenging your property tax assessment.
HELOC recently frozen?
Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Clarity Valuation, Inc. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just received a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for verity or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Clarity Valuation, Inc. can go out and check the subject and comps in a field review. Or, if you're 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.
We can also provide you with a a retrospective review of any appraisal report you may have in your possession. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.