Attention homeowners: Real estate appraisal services for in East Saint Louis and Saint Clair County

See the top 7 reasons IL homeowners need Find Gold Realty:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a IL divorce, when property needs to be divided
  7. Settle an estate in IL by determining the true market value of property in question

Do you own a home in or near East Saint Louis? Do you need help deciding the value of your real estate?
Contact Find Gold Realty.

We at Find Gold Realty understand the special needs of a homeowner seeking 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.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial 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. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Find Gold Realty, we're experts in helping clients just like you rid yourselves of unwanted PMI insurance.

Challenge a property tax assessment

If you live in a region that is declining or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. This means you're going to pay higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Find Gold Realty is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can this be inconvenient from a cash flow point of view, and bad for your credit score since it may appear as though that credit line is maxed out. Find Gold Realty can provide you with a professional appraisal to help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for precision, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Find Gold Realty offers field reviews where we go out and check the subject and comps. 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? Find Gold Realty can We can assist you. While typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.