Attention homeowners in Lawrenceville and Lawrence County: Need an appraisal?

The top seven reasons IL homeowners use Southern Illinois Appraisals:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge Lawrence county's assessment of your propertyvalue
Remove PMI to reduce their monthly mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a IL divorce, when property needs to be divided
Settle an estate in IL by determining the true market value of property in question

Need help deciding the price of your home in or near Lawrenceville, IL?
Contact Southern Illinois Appraisals.

We at Southern Illinois Appraisals understand the particular needs of a customer after appraisal services. Our regular business clients understand the appraisal process and the usual reporting formats. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because you probably have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value report than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI eliminated 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 a lender to have the PMI canceled from your loan. We're experienced in helping clients just like you remove unwanted and unneeded PMI insurance.

Challenging Lawrence county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is going down. That only means you're paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Southern Illinois Appraisals is your best weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender just may choose 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. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. Southern Illinois Appraisals can provide you with a professional appraisal to help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for precision, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. Or, if you're in a hurry, we can 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. Even though this is typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.