Attention homeowners in Macomb and McDonough County: Need an appraisal?

The top seven reasons why IL homeowners order from Harp Real Estate Appraisal:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to reduce a mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. Settle an estate in IL by determining the true market value of real estate in question

Need help determining the value of your house in or near Macomb, IL?
Contact Harp Real Estate Appraisal.

We at Harp Real Estate Appraisal understand the special needs of a consumer looking for appraisal services. Our customary business clients understand the appraisal process and the customary "products" we deliver to them. Being a regular person not in the real estate industry that ordinarily doesn't look at appraisals every day,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

Pre-listing Services/For Sale By Owner (FSBO)

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Harp Real Estate Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Harp Real Estate Appraisal is seasoned in helping homeowners just like you do away with unneeded PMI insurance.

Challenge Tax Assessment

If you live in a local area that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Harp Real Estate Appraisal is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. Harp Real Estate Appraisal can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Harp Real Estate Appraisal offers field reviews where we go out and check the subject and comps in question. If you need it immediately, 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 report you may have had in the past. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.