Appraisal services for Dieterich and Effingham County homeowners

The top 7 reasons IL homeowners use Kristy Niemerg:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
To reduce a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Effingham county or IL

Do you own a home in or near Dieterich? Do you need help deciding the value of your real estate?
Contact Kristy Niemerg.

At Kristy Niemerg, we understand the particular needs of a customer looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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)

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Kristy Niemerg will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI canceled 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 property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experts in helping folks just like you rid yourselves of undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in an area that is going down or is not appreciating as much as other homes close to yours. That only means you're probably paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Kristy Niemerg is your strongest weapon.

Recently got a freeze your HELOC?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. Kristy Niemerg can help you reinstate your home equity line of credit with a professional appraisal.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? An appraiser from Kristy Niemerg can go out and check the subject and comps in a field review. Or, if you need it ASAP, 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 done before. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.