Appraisal services for Centralia and Marion County homeowners

See the top 7 reasons IL homeowners hire Neff Appraisal Services:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a IL property tax assessment
  3. To cut your mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

Do you own a home in or near Centralia? Do you need help determining the price of your real estate?
Contact Neff Appraisal Services.

We at Neff Appraisal Services understand the unique needs of a consumer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. Being a regular consumer that ordinarily doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

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 Neff Appraisal Services 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 a likely buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting 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 home. In most cases you can apply to your lender to have the PMI removed from your loan. We're experts in helping consumers just like you delete unwanted PMI insurance.

Challenge Marion county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that's declining or is not appreciating as much as other homes close by. That only means you're most likely paying 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. Getting an appraisal from Neff Appraisal Services is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is near a declining area, your lender just may choose 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 troublesome from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Neff Appraisal Services can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for efficiency? We can go out and check the subject and comparables in question in a field review. If you need it immediately, we'll 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 report you may have had in the past. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.