Attention homeowners in Tuscaloosa and Tuscaloosa County: Get an Appraisal today!
Here are the top 7 reasons AL homeowners call on Shamrock Appraisals, Inc.:
Need help deciding the price of your home in or near Tuscaloosa, AL?
We at Shamrock Appraisals, Inc. understand the unique needs of a customer after appraisal services. While our typical 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.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Shamrock Appraisals, Inc., are objective. We'll 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 selling price so your property will attract interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to remove PMI
A preferred way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Shamrock Appraisals, Inc. is experts in helping people just like you get rid of unneeded PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your home overvalued if you live in a local area that's going down or is not appreciating as much as other homes close to yours. That only means you're probably 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 things like this, the better. When challenging your property tax assessment, getting an expert appraisal from Shamrock Appraisals, Inc. is your chief weapon.
Recently got a freeze your HELOC?
Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow standpoint, and unfavorable to 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.
We Provide Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for accuracy, or do you need a second opinion without the charge 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 comparables in question. 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.
Do you need a retrospective review of an appraisal? Shamrock Appraisals, Inc. can help you with that. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.