Need an appraisal in Champaign or Champaign County?

See the top reasons Illinois homeowners order from Craggs Appraisal Services, LTD:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
To challenge your property tax assessment in Illinois
To cut your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in Illinois by determining the true market value of the real estate in question


	Own a house in or near Champaign, Illinois and need help determining the price of it? Contact Craggs Appraisal Services, LTD.

At Craggs Appraisal Services, LTD, we understand the unique needs of a consumer in need of appraisal services. Our usual business clients get the appraisal process and the customary documents we provide. As our non-traditional client, we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your own home because you probably 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 crucial 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 interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much 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 seasoned appraiser's value assessment than yours.

Challenging a property tax assessment

Let's say your home is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. 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. A professional appraisal from Craggs Appraisal Services, LTD is your best weapon when contesting your property tax assessment.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Once your mortgage loan amount is less than 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're experienced in helping clients just like you dismiss undesirable PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be unsuitable from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Craggs Appraisal Services, LTD can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comps in question. Or, if you need it immediately, 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 had in the past. Even though most review work is commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to invest in a second opinion.