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HomeVault

Expert Appraisals, Simplified

HomeVault is the modern appraisal solution designed for accuracy, efficiency, and convenience. Unlike automated valuation tools or outsourced reports, every HomeVault appraisal is performed by a licensed or certified appraiser from our team, giving you a professional valuation you can trust. Whether you need a quick market assessment or a comprehensive property evaluation, HomeVault offers the right appraisal for you.

express appraisal web

Express Appraisal

1-2 Days
No On-site

A remote, no-inspection valuation for fast, reliable results. Clients submit property details and photos online, and a licensed appraiser conducts a thorough market analysis. Through an efficient review process, HomeVault enables your licensed appraiser to deliver a professional appraisal quickly and hassle-free, within 1–2 business days.

Best for: Pre-listing valuations, estate planning, zoning, and tax appeals.

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classic appraisal

Classic Appraisal

3-5 Days
On-site

A traditional on-site appraisal with a full interior and exterior inspection by a licensed appraiser. Similar to the Express Appraisal, it includes a thorough market analysis but adds a firsthand assessment of the property’s condition, features, and updates. Ideal when a physical inspection is required, with the final valuation delivered within 2-3 business days.

Best for: Non-financing purchases, estate settlements, divorce, and tax assessments.

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premium appraisal

Premium Appraisal

1-3 Days
On-site

A priority service combining a comprehensive on-site inspection with expedited processing for those needing results as quickly as possible. The appraisal is completed with the same rigorous methodology as the Classic Appraisal but is prioritized at every stage, ensuring that the final valuation is delivered within 24 hours of the inspection.

Best for: High-value properties, legal cases, and urgent financial decisions.

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Reasons For An Appraisal

An appraisal can provide clarity and confidence in many situations.
Here are some common scenarios where a HomeVault appraisal makes a difference.

Estate Planning

Assess assets for inheritance or trust distribution.

Pre-Listing

Determine the right listing price before selling your home.

Tax Appeals

Challenge property tax assessments with a supported valuation.

Business Financing

Use your home as collateral for a loan.

Divorce Settlements

Ensure a fair division of real estate assets.

Pre-Purchase

Verify a home’s value before making an offer.Ensure a fair division of real estate assets.

PMI Removal

Remove private mortgage insurance by proving sufficient equity.

Home Improvements

Understand how renovations affect home value.Remove private mortgage insurance by proving sufficient equity.

Probate

Get an accurate property valuation for estate proceedings.

Contract Disputes

Resolve pricing disagreements in a real estate transaction.

Insurance Claims

Obtain an accurate replacement cost assessment.

Zoning Appeals

Support property use changes with an appraisal.

Get Started with Your Appraisal

Select the state where the property is located and choose the appraisal type that best fits your needs.

Pricing applies to standard appraisals. Final cost confirmed after review.

HomeVault Services for —

Most Popular

Express Appraisal

An efficient appraisal process for quick results without compromising quality.

  • Submit property information and photos online
  • Evaluation by licensed or certified appraisers
  • Same expert analysis as traditional appraisals

Ideal for clients needing rapid appraisals with the reliability of expert analysis.

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Completion Time: 1-3 days
  • No on-site visit
  • Remote photo and data collection
  • Expedited Processing
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Classic Appraisal

Our traditional approach featuring comprehensive on-site evaluation.

  • In-depth property inspection by licensed or certified appraiser
  • Comprehensive report preparation
  • Thorough documentation of all property aspects

Perfect for clients who value detailed, conventional property assessment.

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Completion Time: 3-5 days
  • On-site visit
  • Inspection of Interior & Exterior
  • Regular processing
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Premium Appraisal

Enhanced service combining thorough inspection with expedited delivery.

  • In-depth property inspection by licensed or certified appraisers
  • Priority processing of your appraisal
  • Maintained quality with faster delivery

Ideal for clients needing detailed assessment with quick turnaround.

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Completion Time: 1-3 days
  • On-site visit
  • Inspection of Interior & Exterior
  • Expedited processing
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Prices listed apply to typical, non-complex appraisals. If your property has unique characteristics, is significantly larger, or requires specialized valuation, additional fees may apply. We review every request and will confirm pricing within 1 business hour.

Have questions or need guidance?

Our team is here to help! Contact us if you’re unsure which appraisal is right for you, and we’ll assist you in making the best choice.

(312) 868.0200

Frequently Asked Questions

General Questions

What does the value in the report represent?

The value represents the appraiser's professional opinion of the property's market value as of the effective date stated in the report, based on comparable sales, property features, and market conditions.

Who completes this appraisal? Is it an actual appraiser?

Yes, all appraisals are completed by a licensed or certified appraiser with extensive training and expertise in property valuation. This ensures accuracy and adherence to professional standards.

How is this different from an AVM (Automated Valuation Model)?

Unlike an AVM, which generates a value estimate using algorithms and public data, this appraisal is performed by a licensed appraiser who evaluates your property, considers unique characteristics, and applies expert judgment.

How is this different from a CMA (Comparative Market Analysis)?

A CMA is prepared by a real estate agent and is typically less detailed, relying on recent sales data. An appraisal is a formal, unbiased valuation performed by a licensed appraiser, which is often required for transactions like refinancing or tax appeals.

Why is the value different from what I expected?

Appraised value can differ from expectations due to market trends, the property's condition, or objective factors that may not align with subjective opinions or public estimates.

How long is this appraisal valid?

While there is no strict expiration, appraisals reflect market conditions as of the effective date. Significant changes in the market or property condition may require an updated report.

Can I use this appraisal for other purposes, like refinancing or tax appeals?

The sales comparison approach, which involves comparing the home to similar properties that have recently sold, provides a credible, market-based valuation. This approach is particularly valuable in estate planning as it offers a clear methodology that can be explained to beneficiaries and defended to tax authorities if necessary.

By comparing various factors such as location, size, condition, and features of the home to those of recently sold properties, the appraiser arrives at a fair market value that reflects current market conditions. This objective method can help minimize disagreements among beneficiaries about the home's worth.

Questions About the Process

Does not inspecting the property affect the quality of the report?

No, skipping a physical inspection does not compromise quality as long as we have enough accurate data about the property. This approach allows us to speed up the process while still providing reliable results. The photos and information you submit play a key role in ensuring accuracy.

What does the appraisal process involve?

The process includes collecting detailed property information, analyzing comparable sales, and applying professional judgment to determine the property's market value. Photos and documents you provide are reviewed as part of this analysis.

What happens if I provide incorrect or incomplete property details?

It's essential to provide accurate information. If errors are found after submission, contact us immediately to discuss corrections. Significant changes may require additional analysis.

Will the appraiser visit the property?

This depends on the service level you select. Some appraisals include a physical inspection, while others rely on the detailed information and photos you provide.

How long does it take to get the completed report?

Turnaround times vary based on the service level you choose. Standard reports are typically completed within 1-2 days, while expedited options may be available.

Can I talk to the appraiser during the process?

Yes, you can reach out to our team with questions, and we’ll coordinate communication with the appraiser if necessary.

Questions About Next Steps

What should I do if the appraised value is lower than expected?

Consider discussing the findings with your real estate agent or seeking additional professional opinions. You may also provide additional information for review by our appraiser if you believe something was missed.

Can I get a revised report if I make improvements to my property?

Yes, if you make significant improvements, you can order an updated appraisal reflecting the changes. However, there might be a charge depending on how much work is needed.

How can I use this appraisal to set my listing price?

The appraised value is a helpful reference, but work with your real estate agent to set a competitive price based on current market trends. We do offer negotiation consultations if needed.

What are my options if I disagree with the appraised value?

You can provide additional information or request a call to discuss the report in more detail with the appraiser.

Technical and Administrative Questions

Can I share this report with others (e.g., lenders, attorneys, buyers)?

Yes, you can share the report, but note it is labeled for the purpose specified in your order (e.g., pre-listing).

How do I get another copy of my report if I lose it?

Contact us, and we’ll provide a digital copy or resend your secure download link.

Will this appraisal be included in public records?

No, appraisals are private documents and are not filed in public records.

Can I get a refund if I’m not satisfied with the appraisal?

Refunds are not typically offered, but contact us to discuss your concerns, and we’ll work to resolve the issue.

How does the Home Vault appraisal differ from others on the market?

Our appraisals are designed for speed, affordability, and accuracy. They’re performed by licensed appraisers, offer customized options based on your needs, and include professional insights often missing in AVMs or CMAs.

Experience the difference of HomeVault by Banks Valuation

Trusted, human-driven appraisals tailored to your needs and delivered on your schedule.

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