6 Reasons to choose an appraisal from Shamrock Appraisals, Inc.

To a lot of people, an appraisal just looks like one more thing on the break-sheet for a home sale or refinance. Nearly all lenders still need a local expert because the stakes are very high, even though there are a developing number of automated home valuation processes that may seem cheaper than an appraisal. You might believe that getting a mortgage is the only reason to get an appraisal, but there are other instances when the services of a certified, independent real estate professional could come in handy.

Let Shamrock Appraisals, Inc. help you lower your mortgage payment

Contest your tax assessment in Tuscaloosa County

If you are in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in disputing your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the home owneris more than 80% of the actual value of the property, nearly all lenders ask buyers to purchase this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this added payment is lumped into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Shamrock Appraisals, Inc. can produce a statement regarding the value of your home. The cost of the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce is a particularly daunting ordeal for the parties involved, and it is often more complicated by the burdensome decision of who gets the home. It's a good idea to order an appraisal from Shamrock Appraisals, Inc. so both parties are fully aware of the true market value of their property, regardless of the circumstances.

The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Ascertain an accurate and fair valuation for estate liquidation

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Move to or from Tuscaloosa County through an employee relocation program

Employee relocation can be a stressful event, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, along with information regarding any recent sales or listings in their area that they want considered during our intensive inspection.

Close on your home promptly — for an accurate price

A professional appraisal can help you make a better educated decision when determining your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal report.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to determine what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long homes stay on the market.

Let Shamrock Appraisals, Inc. assist you in selling your home quickly at the right price