Attention homeowners in Homewood and Cook County: Get an Appraisal today!

See the top 7 reasons why IL homeowners use Optimum Appraisal Inc.:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to lower their mortgage payments
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a IL divorce, where real estate property needs to be divided
Determine the true market value of real estate in question to settle an estate in Cook county or IL

Need help determining the value of your house in or near Homewood, IL?
Contact Optimum Appraisal Inc..

We at Optimum Appraisal Inc. understand the special 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 an extra level of 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 house because you probably have an emotional attachment to it. The professional appraisers at Optimum Appraisal Inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house 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 price, not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Optimum Appraisal Inc., we're experienced in helping homeowners just like you do away with unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a region that's declining. This only means you are paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from Optimum Appraisal Inc. is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your property 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. This can this be disadvantageous from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Optimum Appraisal Inc. can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for verity? We can go out and check the subject and comparables in a field review. Or, if you're in a rush, we can provide 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 Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.