Attention homeowners: Real estate appraisal services for in Peru and La Salle County

The top reasons IL homeowners hire MJ Ketter Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge La Salle county's assessment of your propertyworth
  3. Remove PMI to reduce their mortgage payments
  4. To reinstate your 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, where real estate needs to be divided
  7. To determine the true market value of real estate in question to settle an estate

Need help deciding the price of your house in or near Peru, IL?
Contact MJ Ketter Appraisals.

At MJ Ketter Appraisals, we understand the particular needs of a homeowner in need of 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/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at MJ Ketter Appraisals 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 an attainable buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value report than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At MJ Ketter Appraisals, we're veterans in helping consumers just like you abolish undesirable PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. A professional appraisal from MJ Ketter Appraisals is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. MJ Ketter Appraisals can provide you with a professional appraisal to help you reinstate your home equity line of credit.

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 desire an expert to double-check your appraisal for accuracy? We can go out and check the subject and comps in question 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.

We can also provide you with a a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.