Need an appraisal in Rockford or Winnebago County?
The top seven reasons IL homeowners order from Zandonatti Appraisal:
Own a house in or near Rockford, IL and need help determining the price of it?
At Zandonatti Appraisal, we understand the particular needs of a consumer looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 Services
It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Zandonatti Appraisal 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 selling price so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan is 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. We're experienced in helping clients just like you rid yourselves of unnecessary PMI insurance.
Challenge Tax Assessment
Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. An expert appraisal from Zandonatti Appraisal is your perfect 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 home is near a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Zandonatti Appraisal can provide you with a professional appraisal that will help you reinstate your home equity line of credit.
We Offer Field and Desktop Appraisal Review Services
Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need 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're in a rush, we'll 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 a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.