Appraisal services for Tuscaloosa and Tuscaloosa County homeowners
See the top 7 reasons AL homeowners call on Shamrock Appraisals, Inc.:
Do you own a home in or near Tuscaloosa? Do you need help determining the price of your real estate?
At Shamrock Appraisals, Inc., we understand the special needs of a consumer looking for 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 (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Shamrock Appraisals, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.
Appraisals to remove PMI
A preferred way to save money for homeowners is to get the PMI eliminated 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 the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Shamrock Appraisals, Inc., we're qualified in helping clients just like you do away with unwanted and unneeded PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your home overvalued if you live in an area that's declining or not appreciating as much as other homes close to yours. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting an appraisal from Shamrock Appraisals, Inc. is your perfect weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your house is in or near a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Shamrock Appraisals, Inc. can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for precision or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you're in a rush, we can provide 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 in your possession. Even though this is usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.