Why you should order an appraisal from Shamrock Appraisals, Inc.
To a lot of people, an appraisal is simply a line item in the long list of items for a mortgage or refinance. Practically all lenders still want a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation processes that may appear more prudent than an appraisal. You might assume that getting a mortgage is the only basis for getting an appraisal, but there are other situations when the services of a certified, independent real estate professional could be beneficial.
Appeal your tax assessment in Tuscaloosa County
It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your house, so if prices have declined in your area, you can appeal your assessment and save money. An appraisal from Shamrock Appraisals, Inc. is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.
Eliminate PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an extra insurance policy that many lenders ask homebuyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. Since the extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is damaging because PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.
Shamrock Appraisals, Inc. will give you a statement regarding the value of your home, and the price you paid for the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.
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Get a clear valuation on a home take make a divorce settlement less stressful
A divorce is often complicated by the strenuous decision of who keeps the property, and it can be an especially daunting event for both parties. It's a good idea to order an appraisal from Shamrock Appraisals, Inc. so both parties are completely aware of the true market value of their house, regardless of the situation.
If the parties wish to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Ascertain an accurate and fair valuation for estate liquidation
The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Move to or from Tuscaloosa County for work
We are aware of the stress involved with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information about any current sales or listings in their neighborhood that they want considered during our intensive inspection.
Sell your home promptly — at the right price
Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision regarding your selling price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price.
On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesstay on the market. So, seeking a professional appraisal is a trusted way to determine what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.