Real estate appraisal services for homeowners in the city of Tuscaloosa and Tuscaloosa County
The top 7 reasons AL homeowners use Shamrock Appraisals, Inc.:
Need help determining the price of your house in or near Tuscaloosa, AL?
We at Shamrock Appraisals, Inc. understand the unique needs of a consumer seeking appraisal services. Our customary business clients are used to the appraisal process and the usual reporting formats. As our non-traditionalclient, we will give you extra guidance and explanations through the appraisal process to better 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. 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 crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value report than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a 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 unneeded and unwanted PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if you live in a local area that's declining or is not appreciating as much as other homes close by. That only means you're most likely paying more taxes than you should. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Shamrock Appraisals, Inc. is your strongest weapon when contesting your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be annoying from a cash flow viewpoint, but it can be 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 HELOC.
We Offer Field and Desktop Appraisal Review Services
Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for precision? Shamrock Appraisals, Inc. offers field reviews where we'll go out and check the subject and comps in question. If you need it ASAP, 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.
We can also provide a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.