Need an appraisal in McHenry or Lake County?

The top 7 reasons why IL homeowners call on Cestalia Realty :

Find the right listing price (whether you're using an agent or selling the home on your own)
To challenge a IL property tax assessment
To lower a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a IL divorce, when property needs to be divided
To settle an estate in IL by determining the true market value of property in question

Own a home in or near McHenry, IL and need help determining the price of it?
Contact Cestalia Realty .

At Cestalia Realty , we understand the unique needs of a homeowner seeking appraisal services. While our typical 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.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Cestalia Realty are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. Cestalia Realty is experts in helping clients just like you abolish unwanted and unneeded PMI insurance.

Challenging property tax assessments

Lets say you live in a local area that is declining -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Cestalia Realty is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your property is in or near a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Cestalia Realty can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for efficiency? In a field review we will go out and check the subject and comps in question. If you're in a hurry, we'll provide you with a 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? Cestalia Realty can help with that too. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.