Attention homeowners in Granville and Putnam County: Need an appraisal?

Check out the top 7 reasons IL homeowners order from Rhiannon Baker:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower their mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in IL

Need help determining the price of your house in or near Granville, IL?
Contact Rhiannon Baker.

We at Rhiannon Baker understand the unique needs of a homeowner in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 house, it's often very hard to be objective about it. The professional appraisers at Rhiannon Baker will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. Rhiannon Baker is experts in helping folks just like you get rid of undesirable PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. This only means you're paying higher taxes than you should be paying. The sooner 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 appraisal report from Rhiannon Baker is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

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

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would prefer to have an expert double-check it for preciseness or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Rhiannon Baker can go out and check the subject and comparables in question in a field review. Or, if you're in a hurry, we can provide you with a 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. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.