Need an appraisal in Tuscaloosa or Tuscaloosa County?
Here are the top 7 reasons why AL homeowners call on Shamrock Appraisals, Inc.:
Do you own a house in or near Tuscaloosa? Do you need help determining the value of your real estate?
We at Shamrock Appraisals, Inc. understand the particular needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your home, it's often very hard to be objective about 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. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value estimation than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're seasoned in helping clients just like you delete unnecessary PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a region that is going down or is not appreciating as much as other houses close to yours. 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 things like this, the better. When contesting your property tax assessment, getting a professional appraisal from Shamrock Appraisals, Inc. is your strongest weapon.
Was your HELOC recently frozen?
Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be disadvantageous 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 Also Provide Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd like to have a seasoned professional double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. If you're in a hurry, 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.
Need a retrospective review of an appraisal? We can We can assist you While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.