Real estate appraisal services for homeowners in the city of Tuscaloosa and Tuscaloosa County
Here are the top reasons AL homeowners call on Shamrock Appraisals, Inc.:
Do you own a home in or near Tuscaloosa? Do you need help determining the price of your real estate?
At Shamrock Appraisals, Inc., we understand the individual needs of a homeowner after 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
Since you have an emotional attachment to your own house, 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. A professional appraisal is very important as a 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. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. Shamrock Appraisals, Inc. is experienced in helping folks just like you do away with unwanted PMI insurance.
Challenge Tuscaloosa county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a region that's going down or not appreciating as much as other properties nearby. This only means you are most likely 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 report from Shamrock Appraisals, Inc. is your strongest weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be troublesome from a cash flow viewpoint, and destructive 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.
Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you'd prefer to have a professional double-check it for accuracy or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Shamrock Appraisals, Inc. can go out and check the subject and comparables in a field review. Or, if you're in a rush, we can 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. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.