Let AnDel Appraisals take care of your appraisal needsYear after year, thousands of people in Illinois purchase, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. Even though there are a multiplying number of automated home valuation processes that may appear to be more cost-effective than an appraisal, almost all lenders still need a local expert because the stakes are incredibly high. Is securing a mortgage the only reason to acquire an appraisal? Are there more times when the services of a certified, independent real estate professional could be helpful? Of course. 
Challenge your tax assessment in Cook CountyIf you reside in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment. Removing PMI for mortgage paymentsWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the property, most lenders ask home owners to purchase this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. More often than not, this added payment is folded into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, AnDel Appraisals can provide you with a statement regarding the value of your home. The cost of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI. Order your appraisal from AnDel Appraisals today Order onlineGet a fair valuation on a home take make a divorce settlement less stressfulA divorce is often complicated by the strenuous decision of who maintains the property, and it can be a particularly horrible experience for both parties. So both parties are fully aware of the true market value of their property, it's a good idea to order an appraisal from AnDel Appraisals, regardless of the situation. The parties will have a clearer picture of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Accurate and fair estate liquidationLosing a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion. Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal. Move to or from Cook County through an employee relocation programWe understand the stress involved with an employee relocation. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, as well as information about any new sales or listings in their neighborhood that they want considered during our thorough inspection. Sell your home quickly — at an accurate priceA professional appraisal will help you make a more informed decision regarding your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price. We analyze the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesstay on the market. So, seeking a professional appraisal is a reliable way to determine what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time. 
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