Attention homeowners: Real estate appraisal services for in Ottawa and La Salle County

The top 7 reasons Illinois homeowners need Stewart Appraisal:

1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
2. To challenge your property tax assessment in Illinois
3. Remove PMI to lower a mortgage payments
4. To reinstate your Home Equity Line of Credit (HELOC)
5. Review a different appraiser's report for verification
6. If property needs to be divided because of a divorce
7. To settle an estate in La Salle county or Illinois by determining the true market value of the property in question

	Need help deciding the price of your house in or near Ottawa, Illinois? Contact Stewart Appraisal.

We at Stewart Appraisal understand the individual needs of a homeowner in need of appraisal services. Our customary business clients understand the appraisal process and the standard "products" we deliver to them. Being a regular consumer that ordinarily doesn't look at appraisals every day, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.

For Sale by Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your own house because you most likely 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. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's value, and 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 expert appraiser's value judgement than yours.

Challenging La Salle County's assessment of your property

If you live in a local area that is going down or not appreciating as much as other houses 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 faster you take care of things like this, the better off you'll be. Getting a professional appraisal from Stewart Appraisal is your #1 weapon when challenging your property tax assessment.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. Stewart Appraisal is seasoned in helping people just like you delete unwanted and unneeded PMI insurance.

HELOC recently frozen?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable 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. Stewart Appraisal can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for verity, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. 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.

Do you need a retrospective review of an appraisal report? Stewart Appraisal can help you with that. Even though most review work is commissioned by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opinion.