Need an appraisal in Crete or Will County?

See the top seven reasons why IL homeowners use Laird Appraisals:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. To reduce a mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a IL divorce, when real estate needs to be divided
  7. Determine the true market value of property in question to settle an estate in Will county or IL

Need help deciding the value of your home in or near Crete, IL?
Contact Laird Appraisals.

We at Laird Appraisals understand the particular needs of a consumer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Laird Appraisals, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get 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 amount is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. Laird Appraisals is veterans in helping clients just like you rid yourselves of unnecessary PMI insurance.

Challenge property tax assessments

If you live in an area that is declining or not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Laird Appraisals is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your house is in a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. A professional appraisal from Laird Appraisals can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have an expert double-check it for accuracy or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Laird Appraisals can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can provide 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? Laird Appraisals can We can assist you. Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.