Attention homeowners in Bloomington and McLean County: Need an appraisal?

The top seven reasons why IL homeowners use Fitzgerald Appraisals:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To lower your monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate

Do you own a house in or near Bloomington? Do you need help deciding the value of your real estate?
Contact Fitzgerald Appraisals.

At Fitzgerald Appraisals, we understand the individual needs of a consumer looking for appraisal services. While our usual 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

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Fitzgerald Appraisals, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value opinion than yours.

Appraisals to cancel PMI

A fashionable way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping folks just like you rid yourselves of unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in an area that's declining. 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 earlier you take care of things like this, the better off you'll be. A professional appraisal from Fitzgerald Appraisals is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

If your home is in a declining area, your lender may just 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 inopportune from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An appraisal from Fitzgerald Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for precision, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Fitzgerald Appraisals can go out and check the subject and comps in a field review. Or, if you need it immediately, 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.

Need a retrospective review of an appraisal report? We can We can assist you While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.