Attention homeowners: Real estate appraisal services for in Tuscaloosa and Tuscaloosa County
See the top seven reasons AL homeowners order from Shamrock Appraisals, Inc.:
Need help deciding the value of your home in or near Tuscaloosa, AL?
We at Shamrock Appraisals, Inc. understand the individual needs of a homeowner in need of appraisal services. Our typical business clients are used to the appraisal process and the customary "products" we deliver to them. Being a regular person not in the real estate industry that probably doesn't look at appraisals every day,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own house, 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 crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property'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 much more likely to give credibility to an expert appraiser's value opinion than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. At Shamrock Appraisals, Inc., we're experts in helping customers just like you delete undesirable PMI insurance.
Challenge a property tax assessment
If you live in a region that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. This means you're paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Shamrock Appraisals, Inc. is your chief weapon.
Was your HELOC recently frozen?
Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. Shamrock Appraisals, Inc. can help you reinstate your home equity line of credit with efficient appraisal.
We Also Provide Field and Desktop Appraisal Review Services
Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for preciseness? Shamrock Appraisals, Inc. offers field reviews where we'll go out and check the subject and comparables. Or, if you need it immediately, 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 you with a a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.