Attention homeowners in Tuscaloosa and Tuscaloosa County: Get an Appraisal today!
Check out the top 7 reasons AL homeowners call on Shamrock Appraisals, Inc.:
Do you own a house in or near Tuscaloosa? Do you need help deciding the value of your real estate?
At Shamrock Appraisals, Inc., we understand the individual needs of a consumer in need of appraisal services. Our customary business clients are used to the appraisal process and the standard documents we provide. But as a consumer,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own home because of your emotional attachment to 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 attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.
Need to remove PMI?
An attractive way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you rid themselves of unnecessary PMI insurance.
Challenging property tax assessments
Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. An expert appraisal from Shamrock Appraisals, Inc. is your #1 weapon when challenging your property tax assessment.
HELOC recently frozen?
If your home is in a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be annoying from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Shamrock Appraisals, Inc. can help you reinstate your home equity line of credit with a professional appraisal.
Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you would like to have a seasoned expert double-check it for preciseness or do you want a second opinion without the added cost 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 hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal? We can help with that too. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.