Attention homeowners in Tuscaloosa and Tuscaloosa County: Get an Appraisal today!
See the top 7 reasons why AL homeowners hire Shamrock Appraisals, Inc.:
Own a home in or near Tuscaloosa, AL and need help deciding the price of it?
We at Shamrock Appraisals, Inc. understand the particular needs of a consumer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a regular homeowner that probably doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about 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 a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your home is worth. Potential buyers know 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 cancel PMI?
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. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. We are qualified in helping homeowners just like you do away with undesirable PMI insurance.
Challenging Tuscaloosa county's assessment of your property
Lets say you live in a region that is declining -- your local tax assessor may have your house overvalued. That means you're probably 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. Getting a professional appraisal from Shamrock Appraisals, Inc. is your number one weapon when contesting your property tax assessment.
HELOC recently frozen?
If your house is near a declining area, your lender might just 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 be be damaging to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. A professional appraisal from Shamrock Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you would like to have a seasoned professional double-check it for verity or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. 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.
Need a retrospective review of an appraisal report? We can help you with that While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.