Real estate appraisal services for homeowners in the city of Bloomington and McLean County

The top reasons IL homeowners use Fitzgerald Appraisals:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to reduce their monthly mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Own a home in or near Bloomington, IL and need help deciding the value of it?
Contact Fitzgerald Appraisals.

We at Fitzgerald Appraisals understand the special needs of a homeowner in need of appraisal services. Our customary business clients are used to the appraisal process and the standard reporting formats. Being a consumer that ordinarily doesn't look at appraisals every day,we'll be sure you get 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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Fitzgerald Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to remove PMI

An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 your lender to have the PMI canceled from your loan. We are qualified in helping clients just like you rid themselves of unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting an appraisal report from Fitzgerald Appraisals is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. Fitzgerald Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for preciseness? We can go out and check the subject and comparables in question in a field review. If you need it in a rush, 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 you with a a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.