Need an appraisal in Tuscaloosa or Tuscaloosa County?
Check out the top seven reasons AL homeowners use Shamrock Appraisals, Inc.:
Do you own a house in or near Tuscaloosa? Do you need help determining the price of your real estate?
We at Shamrock Appraisals, Inc. understand the particular needs of a consumer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 house because you most likely have an 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. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value report than yours.
Need to cancel PMI?
A fashionable 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 amount is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Shamrock Appraisals, Inc. is veterans in helping consumers just like you do away with unneeded PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your home overvalued if you live in a region that is declining or is not appreciating as much as other properties nearby. That only means you're probably paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. 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 might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. Shamrock Appraisals, Inc. can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for accuracy, 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'll go out and check the subject and comps in question. Or, if you need it in a rush, 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 We can assist you While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your home.