Attention homeowners in Tuscaloosa and Tuscaloosa County: Need an appraisal?
The top seven reasons why AL homeowners need Shamrock Appraisals, Inc.:
Do you own a home in or near Tuscaloosa? Do you need help determining the price of your real estate?
At Shamrock Appraisals, Inc., we understand the unique needs of a consumer after appraisal services. Our regular business clients understand the appraisal process and the standard "products" we deliver to them. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your home, it's often very hard to be objective about 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 home will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.
Appraisals to cancel PMI
A fashionable money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. We are qualified in helping consumers just like you rid themselves of unneeded PMI insurance.
Challenging a property tax assessment
Lets say you live in an area that is going down -- your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an appraisal report from Shamrock Appraisals, Inc. is your best weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be inopportune from a cash flow angle, but it can be destructive 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?
Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for verity? Shamrock Appraisals, Inc. offers field reviews where we go out and check the subject and comps. If you're in a rush, 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 you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.