Real estate appraisal services for homeowners in the city of Dixon and Lee County

Here are the top 7 reasons why IL homeowners use Art Johnson Appraisal Service:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. To lower your mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a IL divorce, when property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Lee county or IL

Do you own a house in or near Dixon? Do you need help deciding the price of your real estate?
Contact Art Johnson Appraisal Service.

At Art Johnson Appraisal Service, we understand the special needs of a customer after appraisal services. Our usual business clients get the appraisal process and the usual reporting formats. But as a consumer,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Art Johnson Appraisal Service 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 selling price so your home will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your home, 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. We're qualified in helping clients just like you do away with undesirable PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Art Johnson Appraisal Service is your chief weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be inopportune from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Art Johnson Appraisal Service can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for precision? An appraiser from Art Johnson Appraisal Service can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can 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? Art Johnson Appraisal Service can help you with that. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.