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Q: How do appraisers adjust for a finished basement?

• <div><p>While a finished basement adds value to your home, it is assigned a different value than space on the main floors. An appraiser will assess the square footage of a finished basement at about 50% to 60% of the value of the square footage for the rest of your home. Appraisal value for a finished basement depends on your location&rsquo;s real estate market and the specifics of the basement and how it was finished. </p></div>

Q: Is a conventional loan the same as an FHA loan?

• <div><p>Both conventional loans and FHA loans are types of mortgages, but they have a few key differences. Conventional loans are backed by private lenders without any government backing, and FHA loans are guaranteed by a government agency. FHA loans are designed to be easier for borrowers with low credit scores or income to qualify for.</p></div>

Q: How can I find a trustworthy appraiser?

• <div><p>Some appraisers hold a Member of the Appraisal Institute designation. This accolade is the highest credential property appraisers can earn. An MAI appraisal is typically used for commercial properties.</p><p>While your lender will likely recommend an appraiser, you can also hire a professional home appraiser on your own. Choose someone who is experienced in your type of residential property, and ensure they hold all of the necessary credentials that your state or region requires.</p></div>

Q: How long does an FHA appraisal take?

• <div><p>Depending on the size of the home, the appraisal itself can take several hours. After the appraiser&rsquo;s visit is complete, it can take between a few days and a few weeks to get the report back. This timeline is largely dependent on the appraiser&rsquo;s workload, research requirements, efficiency, and other factors.</p></div>

Q: What if I can’t find any records of when my house was built?

• <div><p>If you can&rsquo;t find any records online, you&rsquo;ll need to contact your county clerk&rsquo;s office to do further research. They should have property records on file, or can at least point you in the right direction of who to contact. You can also speak with your neighbors about when their houses were built because they were likely built around the same time. </p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Eureka, IL

*The Angi rating for Antique And Jewelry Appraisal companies in Eureka, IL is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Antique And Jewelry Appraisal needs.

*The HomeAdvisor rating for Antique And Jewelry Appraisal companies in Eureka, IL is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Antique And Jewelry Appraisal needs.

Last update on February 25, 2025

Reviewed in February 2025
The painters and the carpenter did excellent work. It was a pleasure to deal with the owner and all of the workers.
Blank Slate Painting Co.
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Reviewed in July 2024
Rich and his team did a great job from start to finish. Stayed on the project once it was started and saw it through to the end. Even replaced a couple doors and repaired some rotted out spots. Went above and beyond! Cleaned up well after each day. Thanks!
Schieler Quality Builders LLC
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Reviewed in November 2023
The 2 men that came were great! Very courteous and helpful. They did a great job!! My Brother had his done and it looked amazing, now mine does too!
Steam Green Carpet Cleaning
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Reviewed in September 2023
Super nice, took a little longer to get the appraisal than I would have like. I thought the appraisal was low that the land along would be worth more than was appraised.
Sundstrom Appraisal Service, Inc.
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Reviewed in June 2023
They removed a giant cottonwood tree and trimmed a sweet gum tree for us. They did an excellent job. They were courteous, and preformed a ll we asked and knew what they were doing. Will call AJC again when needed.
AJC Home Services, Inc.
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Reviewed in November 2022
I highly recommend Kitchen and Bath Specialties. They recently remodelled my elderly mothers bathroom and did a fantastic job at a reasonable price. They pay a lot of attention to detail and work through any issues very effectively. I recommended to my friend for her dads bathroom as well and it...
Kitchen & Bath Specialties
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Reviewed in October 2022
It was a great experience reasonable and my house looks great. They were on time and did a great job. I will use them again.
River City Pressure Washing
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Reviewed in April 2022
Fantastic Inspection. Had him look at a fixer upper I will be purchasing and he not only gave me a list of everything that needed to be replaced but placed everything in order of priority. Very respectful, efficient and knowledgeable. Can’t say enough good things!
Ron Smith Custom Real Estate Inspections
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Reviewed in January 2022
What a pleasure it was having Mike do the interior painting in our home. Mike did an excellent and accurate job painting our vaulted living room, hallway and trim. He was helpful moving furniture and covered all exposed furniture and flooring to protect it from inadvertent paint drips. He is...
Mike Paints
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Reviewed in August 2021
Very great rates. Extremely professional, polite, and clean. Guerra and Sons treated my home as if it was their own. I had my interior painted, deck painted, and fence stained. They did not leave any messes and couldn’t be happier with hiring them. They did such a great job, my neighbor...
Guerra And Sons Property Preservation
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Antiques and Jewelry Appraisals questions, answered by experts

While a finished basement adds value to your home, it is assigned a different value than space on the main floors. An appraiser will assess the square footage of a finished basement at about 50% to 60% of the value of the square footage for the rest of your home. Appraisal value for a finished basement depends on your location’s real estate market and the specifics of the basement and how it was finished.

Both conventional loans and FHA loans are types of mortgages, but they have a few key differences. Conventional loans are backed by private lenders without any government backing, and FHA loans are guaranteed by a government agency. FHA loans are designed to be easier for borrowers with low credit scores or income to qualify for.

Some appraisers hold a Member of the Appraisal Institute designation. This accolade is the highest credential property appraisers can earn. An MAI appraisal is typically used for commercial properties.

While your lender will likely recommend an appraiser, you can also hire a professional home appraiser on your own. Choose someone who is experienced in your type of residential property, and ensure they hold all of the necessary credentials that your state or region requires.

Depending on the size of the home, the appraisal itself can take several hours. After the appraiser’s visit is complete, it can take between a few days and a few weeks to get the report back. This timeline is largely dependent on the appraiser’s workload, research requirements, efficiency, and other factors.

If you can’t find any records online, you’ll need to contact your county clerk’s office to do further research. They should have property records on file, or can at least point you in the right direction of who to contact. You can also speak with your neighbors about when their houses were built because they were likely built around the same time.

The Eureka, IL homeowners’ guide to antique and jewelry appraisals

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