Let Shamrock Appraisals, Inc. take care of your appraisal needs

Year after year, thousands of people in Alabama buy, sell or refinance their home. A lot of these transactions have a simple line item for an appraisal. Most lenders still want a local expert because the stakes are very high, even though there are a budding number of automated home valuation methods that might appear to be more practical than an appraisal. You might assume that getting a mortgage is the only reason to acquire an appraisal, but there are more instances when the services of a licensed, independent real estate professional could be beneficial.

Let Shamrock Appraisals, Inc. help you lower your mortgage payment

Dispute your tax assessment in Tuscaloosa County

It's quite possible you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your house, so if prices have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in disputing your tax assessment.

PMI removal to reduce a mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that most lenders ask buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. Seeing that added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

Shamrock Appraisals, Inc. will produce a statement regarding the value of your home, and the expense of the appraisal can often be recovered in little time 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 can be a particularly daunting ordeal for both parties, and it is often more complicated by the strenuous decision of who maintains the house. Regardless of the circumstances, 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 home.

If the parties wish to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Determine a fair and accurate valuation for estate liquidation

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to handle these affairs, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Move to or from Tuscaloosa County through an employee relocation program

Employee relocation can be a stressful event, and we understand. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered during our intensive inspection.

Close on your home quickly — at an accurate price

A professional appraisal can help you make a more informed decision regarding your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long homes are one the market.

Let Shamrock Appraisals, Inc. help you sell your home quickly at the right price