Attention homeowners: Need an appraisal?Check out the top seven reasons why Illinois homeowners hire Alpha Valuations:
At Alpha Valuations, we understand the unique needs of a customer in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Alpha Valuations, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your house is worth. Interested 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 report than yours.
Challenging property tax assessmentsIf you live in a local area that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. 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 off you'll be. Getting a professional appraisal from Alpha Valuations is your chief weapon when contesting your property tax assessment.
Appraisals to remove PMIA popular way to save money for homeowners is getting the PMI eliminated 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 eliminated from your loan, which will make your monthly payments go down. Alpha Valuations is qualified in helping people just like you abolish unwanted PMI insurance.HELOC recently frozen?Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be inconvenient 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. Alpha Valuations can help you reinstate your home equity line of credit with a professional appraisal.
We Offer Field and Desktop Appraisal Review ServicesWould you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? In a field review we will go out and check the subject and comparables in question. If you need it in a rush, we'll provide 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 you may have had in the past. While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.
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