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Attention homeowners in Smithton and Saint Clair County: Get an Appraisal today!

The top seven reasons why Illinois homeowners call on Andres Appraisal Service:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to cut a mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in Illinois by determining the true market value of a property
Need help deciding the value of your home in or near Smithton, Illinois? Contact Andres Appraisal Service.

We at Andres Appraisal Service understand the unique needs of a customer in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Andres Appraisal Service, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value report than yours.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that is declining or not appreciating as much as other properties close to yours. This means you are going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Andres Appraisal Service is your chief weapon when challenging your property tax assessment.

Appraisals to remove PMI

An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Andres Appraisal Service, we're qualified in helping people just like you rid themselves of unnecessary PMI insurance.

Recently got a freeze to your HELOC?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be disadvantageous from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Andres Appraisal Service can help you reinstate your home equity line of credit with a professional appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? We can go out and check the subject and comparables in question in a field review. 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 you may have had in the past. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.