Appraisal services for Tuscaloosa and Tuscaloosa County homeowners
Here are the top 7 reasons AL homeowners hire Shamrock Appraisals, Inc.:
Do you own a house in or near Tuscaloosa? Do you need help deciding the price of your real estate?
We at Shamrock Appraisals, Inc. understand the special needs of a customer in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 (FSBO)
It's very hard to be objective about your own house because you probably have an emotional attachment to 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. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value judgement than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. At Shamrock Appraisals, Inc., we're experienced in helping homeowners just like you rid yourselves of unwanted PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if you live in a local area that is going down. That only means you're probably paying more taxes than you should. The sooner 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. When challenging your property tax assessment, getting a professional appraisal from Shamrock Appraisals, Inc. is your #1 weapon.
Was your HELOC recently frozen?
Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be annoying 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. An efficient appraisal from Shamrock Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need a professional to double-check your appraisal for efficiency, or do you need a second opinion without the added expense 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. Or, if you need it ASAP, 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 need to employ this service if you suspect mortgage fraud related to your property.