Need an appraisal in Tuscaloosa or Tuscaloosa County?
Check out the top 7 reasons why AL homeowners hire Shamrock Appraisals, Inc.:
Need help deciding the price of your home in or near Tuscaloosa, AL?
At Shamrock Appraisals, Inc., we understand the unique needs of a consumer seeking appraisal services. Our customary business clients get the appraisal process and the standard reporting formats. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Shamrock Appraisals, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.
Appraisals to remove PMI
A preferred money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 removed from your loan, which will make your monthly payments go down. We're veterans in helping homeowners just like you do away with undesirable PMI insurance.
Challenge Tuscaloosa county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a local area that's declining. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting an expert appraisal from Shamrock Appraisals, Inc. is your number one weapon when contesting your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. Shamrock Appraisals, Inc. can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review Services
Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for verity? Shamrock Appraisals, Inc. offers field reviews where we'll go out and check the subject and comps in question. 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? Shamrock Appraisals, Inc. can We can assist you. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.