Real estate appraisal services for homeowners in Cook, DuPage and Will Counties of Illinois

Check out the top 7 reasons IL homeowners need William Kozik Certified Residential Real Estate Appraiser:

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

Need help determining the value of your home in Northern Illinois?
Contact William Kozik, Certified Residential Real Estate Appraiser.

At William Kozik and Associates, we understand the unique needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and accountants. As our non-traditional client, you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at William Kozik Certified Residential Real Estate Appraiser will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your property's price, and 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 more likely to give credibility to a seasoned appraiser's value judgement than yours.

Appraisals to remove PMI

A popular way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your home, 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. We are experts in helping customers just like you get rid of unneeded and unwanted PMI insurance.

Challenge a property tax assessment

Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. This only means you are most likely paying higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from William Kozik Certified Residential Real Estate Appraiser is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. William Kozik Certified Residential Real Estate Appraiser can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? William Kozik Certified Residential Real Estate Appraiser offers field reviews where we'll go out and check the subject and comparables. Or, if you need it in a rush, 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 you with a a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.