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Attention homeowners in Lombard and Dupage County: Need an appraisal?
Here are the top 7 reasons why Illinois homeowners use Boivin Appraisals, Inc.:
- Find the right listing price (whether they're selling the home themselves or using a real estate agent)
- Challenge Dupage County's assessment of your property
- To cut your mortgage payment by removing PMI
- To reinstate your Home Equity Line of Credit (or HELOC)
- Verify a different appraiser's report
- In the case of a divorce in the state of Illinois, where real estate needs to be divided
- Determine the true market value of the real estate in question to settle an estate in Illinois
At Boivin Appraisals, Inc., we understand the individual needs of a customer looking for appraisal services. While our usual 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.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Boivin Appraisals, 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 house 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 tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value estimation than yours.
Challenging Dupage County's assessment of your propertyLet's say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Boivin Appraisals, Inc. is your strongest weapon when challenging your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan 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. We're experts in helping people just like you remove unwanted PMI insurance.
HELOC recently frozen?Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow point of view, and bad for your credit score since it may appear as though that credit line is maxed out. Boivin Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Do you need an expert to double-check your appraisal for verity, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you need it immediately, 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 you with a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.
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Today's Rates:
| 30-yr Fixed | 3.87% | 4% | | 15-yr Fixed | 3.16% | 3.33% | | 1-yr Adj | 2.78% | 3.45% |
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