Appraisal services for Waterloo and Monroe County homeowners

Check out the top 7 reasons Illinois homeowners hire Keim Appraisals:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
To challenge a property tax assessment in Illinois
To reduce your monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of a property to settle an estate in Monroe County or the state of Illinois


	Own a home in or near Waterloo, Illinois and need help determining the value of it? Contact Keim Appraisals.

At Keim Appraisals, we understand the individual needs of a consumer seeking appraisal services. Our customary business clients are used to the appraisal process and the usual reporting formats. But as a consumer, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Our professional appraisers at Keim Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- 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 much more likely to give credibility to a qualified appraiser's value conclusion than yours.

Challenging property tax assessments

If you live in a region that is declining or is not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Keim Appraisals is your perfect weapon when challenging your property tax assessment.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive 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 is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. At Keim Appraisals, we're experienced in helping homeowners just like you delete unneeded and unwanted PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be difficult and inconvenient from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Keim Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for verity, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you're in a hurry, 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 report you may have in your possession. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.