Real estate appraisal services for homeowners in the city of Tuscaloosa and Tuscaloosa County
The top seven reasons AL homeowners hire Shamrock Appraisals, Inc.:
Need help deciding the value of your home in or near Tuscaloosa, AL?
At Shamrock Appraisals, Inc., we understand the unique needs of a homeowner looking for 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 home because of your emotional attachment to it. Our professional appraisers at Shamrock Appraisals, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much 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?
A popular money saver for homeowners is getting 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 less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Shamrock Appraisals, Inc., we're seasoned in helping clients just like you remove unnecessary PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in a region that is declining. That means you are going to pay 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 off you'll be. Getting an appraisal from Shamrock Appraisals, Inc. is your chief weapon when contesting your property tax assessment.
HELOC recently frozen?
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 house is in a declining area. This can this be difficult and inconvenient from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Shamrock Appraisals, Inc. can help you reinstate your home equity line of credit with a professional appraisal.
We Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd like to have a seasoned expert double-check it for precision or do you desire a second opinion without the added 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 comparables. If you're in a rush, we'll 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 report? Shamrock Appraisals, Inc. can We can assist you. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.