Real estate appraisal services for homeowners in the city of Tuscaloosa and Tuscaloosa County
See the top 7 reasons AL homeowners need Shamrock Appraisals, Inc.:
Do you own a house in or near Tuscaloosa? Do you need help deciding the price of your real estate?
At Shamrock Appraisals, Inc., we understand the unique needs of a consumer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. As our client, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.
For Sale By Owner/Pre-Listing Services
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. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. 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. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. We are seasoned in helping folks just like you delete unwanted and unneeded PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your home overvalued if you live in a region that's going down or is not appreciating as much as other houses close by. This 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 sooner you take care of a matter like this, the better off you'll be. An expert appraisal from Shamrock Appraisals, Inc. is your strongest weapon when contesting your property tax assessment.
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 a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. An expert appraisal from Shamrock Appraisals, Inc. can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Do you need an expert to double-check your appraisal for verity, or do you desire a second opinion without the added expense 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 question in a field review. If you're in a hurry, we'll provide 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 utilize this service if you suspect mortgage fraud related to your property.