Attention homeowners in Smithton and Saint Clair County: Need an appraisal?

Check out the top seven reasons IL homeowners use Cloice Lybarger Appraisal Services:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge Saint Clair county's assessment of your property
  3. To cut their mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a IL divorce, when real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate in IL

Need help deciding the value of your home in or near Smithton, IL?
Contact Cloice Lybarger Appraisal Services.

At Cloice Lybarger Appraisal Services, we understand the unique needs of a customer seeking appraisal services. Our usual business clients are used to the appraisal process and the standard "products" we deliver to them. Being a regular consumer that ordinarily doesn't look at appraisals on a regular basis,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

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

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

Need to cancel PMI?

A fashionable money saver 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 below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Cloice Lybarger Appraisal Services, we're veterans in helping clients just like you do away with undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down. This only 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 things like this, the better off you'll be. A professional appraisal from Cloice Lybarger Appraisal Services is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Cloice Lybarger Appraisal Services can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned professional 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 ASAP, 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.

Do you need a retrospective review of an appraisal? Cloice Lybarger Appraisal Services can help with that too. Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.