Why you should get an appraisal from Shamrock Appraisals, Inc.

To many, an appraisal is simply another cost in the long list of items for a mortgage or refinance. The majority of lenders still call for a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that might seem less expensive than an appraisal. Is obtaining a mortgage the only reason you should get an appraisal? Are there more cases when the services of a certified, independent real estate professional might be beneficial? Of course.

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

Appeal your tax assessment in Tuscaloosa County

It's probable you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your home, so if values are less than what they used to be in your area, you can challenge your assessment and save money. An appraisal from Shamrock Appraisals, Inc. is your best evidence when building your case. We can assist you in challenging your tax assessment.

Remove PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that most lenders ask buyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Shamrock Appraisals, Inc. can provide you with a statement regarding the value of your home. The price you paid for the home valuation can generally be regained in little time because you'll no longer be paying the PMI.

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Get a fair valuation on a home for divorce settlements

A divorce is often complicated by the strenuous decision of who maintains the property, and it can be a very daunting experience for both parties. It's a good idea to get an appraisal from Shamrock Appraisals, Inc. so both parties are completely aware of the true market value of their property, regardless of the circumstances.

The parties will have a good idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Ascertain a fair and accurate valuation for estate liquidation

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We ensure the highest 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 handle these matters. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.

Move to or from Tuscaloosa County for work

We are aware of the stress involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide remarks on the positive characteristics of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered.

Sell your home quickly — at the right price

A professional appraisal can help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to complete the appraisal report.

On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted way to decide 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 houses stay on the market.

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