Need an appraisal in Tuscaloosa or Tuscaloosa County?
Here are the top seven reasons AL homeowners hire Shamrock Appraisals, Inc.:
Own a home in or near Tuscaloosa, AL and need help deciding the price of it?
We at Shamrock Appraisals, Inc. understand the individual needs of a customer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. Being a person not in the real estate industry that probably doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Shamrock Appraisals, Inc., will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you 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. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value report than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your property, 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. We are qualified in helping customers just like you do away with unwanted PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a region that's declining. This only means you're most likely paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from Shamrock Appraisals, Inc. is your chief weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be difficult from a cash flow angle, and unfavorable 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.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for accuracy? An appraiser from Shamrock Appraisals, Inc. can go out and check the subject and comps in question in a field review. If you need it ASAP, we'll provide you with a 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 report? We can We can assist you While typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.