Real estate appraisal services for homeowners in the city of Tuscaloosa and Tuscaloosa County
The top seven reasons AL homeowners use Shamrock Appraisals, Inc.:
Need help deciding the price of your house in or near Tuscaloosa, AL?
At Shamrock Appraisals, Inc., we understand the particular needs of a consumer seeking appraisal services. While our usual business 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 (FSBO) / Pre-Listing Services
It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Shamrock Appraisals, Inc., are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a 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 the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Shamrock Appraisals, Inc., we're veterans in helping clients just like you remove unwanted PMI insurance.
Challenge a property tax assessment
Lets say your home is not appreciating as much as other houses nearby -- your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. An expert appraisal from Shamrock Appraisals, Inc. is your best weapon when challenging your property tax assessment.
HELOC recently frozen?
If your property is close to a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be annoying from a cash flow viewpoint, and detrimental 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.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you would wish to have a veteran appraiser double-check it for verity or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Shamrock Appraisals, Inc. can go out and check the subject and comps in a field review. Or, if you need it immediately, 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. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.