Attention homeowners: Real estate appraisal services for in Danville and Vermilion County

Check out the top seven reasons IL homeowners hire Cunningham Inc:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Vermilion county's assessment of your property
  3. To reduce a mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a IL divorce, where property needs to be divided
  7. Settle an estate in IL by determining the true market value of property in question

Own a home in or near Danville, IL and need help deciding the value of it?
Contact Cunningham Inc.

At Cunningham Inc, we understand the unique needs of a customer in need of appraisal services. Our customary business clients get the appraisal process and the usual documents we provide. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Cunningham Inc are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're qualified in helping consumers just like you get rid of unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other properties nearby. This only means you are most likely paying higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Cunningham Inc is your best weapon.

HELOC recently frozen?

If your house is in a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. Cunningham Inc can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for preciseness? We can go out and check the subject and comps in question in a field review. If you're in a rush, 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 had in the past. While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.