Appraisal services for Midlothian and Cook County homeowners

The top 7 reasons why IL homeowners call on JCB Appraisals, Inc.:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Cook county's assessment of your propertyworth
To lower a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a IL divorce, when property needs to be divided
To determine the true market value of property in question to settle an estate

Own a house in or near Midlothian, IL and need help determining the price of it?
Contact JCB Appraisals, Inc..

We at JCB Appraisals, Inc. understand the particular needs of a customer seeking appraisal services. While our usual 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 most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It gives you something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value assessment than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are seasoned in helping people just like you do away with unwanted and unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes close to yours. This only means you are probably paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from JCB Appraisals, Inc. is your best weapon.

Recently got a freeze your HELOC?

If your home is close to a declining area, your lender just may 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 disadvantageous from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. JCB Appraisals, Inc. can provide you with efficient appraisal to help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would like to have a professional double-check it for efficiency or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? JCB Appraisals, Inc. offers field reviews where we go out and check the subject and comparables in question. If you need it immediately, we'll 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 a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.