Need an appraisal in Collinsville or Madison County?

The top 7 reasons IL homeowners need Shelly Conley:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
To challenge a IL property tax assessment
Remove PMI to reduce their mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in IL

Own a home in or near Collinsville, IL and need help determining the value of it?
Contact Shelly Conley.

We at Shelly Conley understand the individual needs of a customer in need of appraisal services. Our customary business clients are used to the appraisal process and the usual documents we provide. As our client, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about 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 a crucial 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 your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Shelly Conley, we're experts in helping folks just like you dismiss unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other homes close to yours. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When challenging your property tax assessment, getting an expert appraisal from Shelly Conley is your #1 weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be annoying from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Shelly Conley can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a seasoned appraiser double-check it for preciseness or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. 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.

Do you need a retrospective review of an appraisal report? Shelly Conley can help you with that. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.