Need an appraisal in Tuscaloosa or Tuscaloosa County?
The top reasons AL homeowners need Shamrock Appraisals, Inc.:
Own a house in or near Tuscaloosa, AL and need help determining the price of it?
At Shamrock Appraisals, Inc., we understand the particular needs of a consumer 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.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Shamrock Appraisals, Inc., will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value assessment than yours.
Need to remove PMI?
A fashionable money saver for homeowners is to get 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 down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Shamrock Appraisals, Inc., we're experts in helping folks just like you dismiss unnecessary PMI insurance.
Challenge Tuscaloosa county's assessment of your property
Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses nearby. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from Shamrock Appraisals, Inc. is your best weapon.
HELOC recently frozen?
Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow angle, but it can be negative on 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 Also Provide Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you'd like to have a seasoned professional double-check it for verity 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 comps. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.