Attention homeowners: Real estate appraisal services for in Breese and Clinton County

Here are the top seven reasons IL homeowners need Germantown Trust & Savings:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To lower their mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a IL divorce, where real estate property needs to be divided
  7. To settle an estate in Clinton county or IL by determining the true market value of real estate in question

Do you own a home in or near Breese? Do you need help determining the price of your real estate?
Contact Germantown Trust & Savings.

We at Germantown Trust & Savings understand the particular needs of a consumer seeking appraisal services. Our typical business clients are used to the appraisal process and the standard reporting formats. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

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

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

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI removed 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 house. In most cases you can apply to the lender to have the PMI canceled from your loan. We are qualified in helping clients just like you delete undesirable PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in an area that's going down. This only means you're going to pay higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Germantown Trust & Savings is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your property is in a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. Germantown Trust & Savings can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for preciseness? We can go out and check the subject and comps in a field review. Or, if you need it in a rush, 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.

We can also provide a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.