Attention homeowners in Bloomington and McLean County: Get an Appraisal today!

Here are the top seven reasons IL homeowners use Shane Coughlin:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To lower your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in IL by determining the true market value of real estate in question

Need help determining the value of your home in or near Bloomington, IL?
Contact Shane Coughlin.

We at Shane Coughlin understand the individual needs of a customer seeking appraisal services. While our usual 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Shane Coughlin 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 price to sell at so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. Shane Coughlin is experts in helping homeowners just like you dismiss unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's going down or not appreciating as much as other homes close by. That means you're going to pay more taxes than you should. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Shane Coughlin is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

If your home is close to a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Shane Coughlin can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We 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 you with a a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.