Real estate appraisal services for homeowners in the city of Des Plaines and Cook County

The top reasons IL homeowners call on Brian Morgan Appraiser:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Cook county's assessment of your property
  3. Remove PMI to reduce your mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a IL divorce, when property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Cook county or IL

Do you own a house in or near Des Plaines? Do you need help determining the price of your real estate?
Contact Brian Morgan Appraiser.

At Brian Morgan Appraiser, we understand the unique needs of a homeowner looking for appraisal services. Our typical business clients understand the appraisal process and the standard documents we provide. Being a regular homeowner that most likely doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. The professional appraisers at Brian Morgan Appraiser will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive money saver for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We're seasoned in helping customers just like you rid yourselves of unnecessary PMI insurance.

Challenging a property tax assessment

If you live in an area that is declining or is not appreciating as much as other properties close by, your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. Getting an expert appraisal from Brian Morgan Appraiser is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can this be inconvenient from a cash flow point of view, and harmful to your credit score since it may appear as though that credit line is maxed out. An appraisal from Brian Morgan Appraiser can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Brian Morgan Appraiser offers field reviews where we go out and check the subject and comparables in question. Or, if you need it immediately, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.