Real estate appraisal services for homeowners in the city of Centralia and Marion County
Here are the top 7 reasons why IL homeowners call on O'Brist Appraisal, Inc.:
Do you own a house in or near Centralia? Do you need help deciding the value of your real estate?
At O'Brist Appraisal, Inc., we understand the unique needs of a homeowner seeking appraisal services. Our customary business clients get the appraisal process and the customary documents we provide. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at O'Brist Appraisal, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value opinion than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. O'Brist Appraisal, Inc. is seasoned in helping clients just like you get rid of undesirable PMI insurance.
Challenging Marion county's assessment of your property
Lets say you live in an area that's going down -- your local tax assessor may have your house overvalued. This 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 quicker you take care of a matter like this, the better. A professional appraisal from O'Brist Appraisal, Inc. is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your home is in or near a declining area, your lender might decide 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 disadvantageous from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from O'Brist Appraisal, Inc. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you would prefer to have a seasoned professional double-check it for preciseness or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? O'Brist Appraisal, Inc. offers field reviews where we'll go out and check the subject and comps in question. 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.
Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.