Attention homeowners: Real estate appraisal services for in Tuscaloosa and Tuscaloosa County
Here are the top seven reasons why AL homeowners order from Shamrock Appraisals, Inc.:
Do you own a house in or near Tuscaloosa? Do you need help determining the value of your real estate?
We at Shamrock Appraisals, Inc. understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. But as a consumer,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. 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 interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value conclusion than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your house, 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 experienced in helping people just like you rid yourselves of unnecessary PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if your home not appreciating as much as other houses close by. That only means you're going to pay more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Shamrock Appraisals, Inc. is your best weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Shamrock Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Shamrock Appraisals, Inc. offers field reviews where we go out and check the subject and comps in question. Or, if you need it ASAP, we can provide you with a 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 you may have had in the past. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.