Attention homeowners in Chicago and Cook County: Need an appraisal?

The top 7 reasons IL homeowners use Toussaint Appraisals:

Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge Cook county's assessment of your property
Remove PMI to lower your mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in IL by determining the true market value of real estate in question

Do you own a home in or near Chicago? Do you need help deciding the price of your real estate?
Contact Toussaint Appraisals.

We at Toussaint Appraisals understand the particular needs of a homeowner in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our non-traditionalclient, we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Toussaint Appraisals, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It gives you something concrete to show the 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 house and will be more likely to give credibility to a professional appraiser's value opinion 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. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are qualified in helping consumers just like you remove unwanted PMI insurance.

Challenge Cook county's assessment of your property

If you live in a local area that is declining or not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. That means you're 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 things like this, the better off you'll be. An appraisal report from Toussaint Appraisals is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is near a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. Toussaint Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for efficiency? An appraiser from Toussaint Appraisals 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.

Need a retrospective review of an appraisal report? We can help you with that While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.