Appraisal services for Carbondale and Jackson County homeowners

Check out the top reasons IL homeowners call on Ryan Povolish:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To reduce your monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a IL divorce, where property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate

Do you own a home in or near Carbondale? Do you need help determining the price of your real estate?
Contact Ryan Povolish.

At Ryan Povolish, we understand the individual needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your home, 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. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive money saver for homeowners. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Ryan Povolish, we're veterans in helping folks just like you abolish undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a local area that's declining or not appreciating as much as other homes close by. This only means you're most likely paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Ryan Povolish is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

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 or near a declining area. This can this be inopportune from a cash flow viewpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Ryan Povolish can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for efficiency or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? Ryan Povolish offers field reviews where we'll go out and check the subject and comps in question. Or, if you're in a hurry, we can 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 you with a a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.