Attention homeowners in Tuscaloosa and Tuscaloosa County: Get an Appraisal today!
See the top seven reasons why AL homeowners use Shamrock Appraisals, Inc.:
Do you own a home in or near Tuscaloosa? Do you need help determining the price of your real estate?
We at Shamrock Appraisals, Inc. understand the particular needs of a consumer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a regular consumer that probably doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.
Need to remove PMI?
A preferred way to save money 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 amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. We are experienced in helping folks just like you dismiss unnecessary PMI insurance.
Challenge a property tax assessment
If you live in an area that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. That means you are paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Shamrock Appraisals, Inc. is your #1 weapon.
Recently got a freeze your HELOC?
Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Shamrock Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need a seasoned professional to double-check your appraisal for preciseness, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? Shamrock Appraisals, Inc. offers field reviews where we go out and check the subject and comparables in question. If you need it immediately, 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. Even though this is usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.