Real estate appraisal services for homeowners in the city of Tuscaloosa and Tuscaloosa County
The top seven reasons AL homeowners need Shamrock Appraisals, Inc.:
Own a home in or near Tuscaloosa, AL and need help deciding the value of it?
We at Shamrock Appraisals, Inc. understand the particular needs of a consumer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own house because you probably have an emotional attachment to 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 a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value judgement than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Shamrock Appraisals, Inc., we're experienced in helping folks just like you delete unwanted PMI insurance.
Challenging Tuscaloosa county's assessment of your property
Your local tax assessor may have your home overvalued if your home not appreciating as much as other homes close to yours. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. A professional appraisal from Shamrock Appraisals, Inc. is your chief weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be troublesome from a cash flow point of view, but it can be destructive 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 Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for verity, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Shamrock Appraisals, Inc. can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll 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 report? We can We can assist you While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.