Attention homeowners in Tuscaloosa and Tuscaloosa County: Need an appraisal?
Here are the top reasons AL homeowners call on Shamrock Appraisals, Inc.:
Own a home in or near Tuscaloosa, AL and need help determining the value of it?
At Shamrock Appraisals, Inc., we understand the unique needs of a customer 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.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own home because of your emotional attachment to it. A professional appraiser is objective and will 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 potential buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.
Need to remove PMI?
An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're experts in helping homeowners just like you dismiss unwanted PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties close by. This only means you are paying higher taxes than you should be paying. 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. When challenging your property tax assessment, getting an appraisal from Shamrock Appraisals, Inc. is your strongest weapon.
Was your HELOC recently frozen?
If your property is close to a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow viewpoint, but it can be harmful 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.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned expert to double-check your appraisal for accuracy, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it immediately, we'll provide 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 help with that too. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.