Appraisal services for Tuscaloosa and Tuscaloosa County homeowners

The top 7 reasons AL homeowners use Shamrock Appraisals, Inc.:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To cut their mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate in Tuscaloosa County or the state of AL

Do you own a home in or near Tuscaloosa? Do you need help deciding the value of your real estate?
Contact Shamrock Appraisals, Inc..

At Shamrock Appraisals, Inc., we understand the particular needs of a customer in need of appraisal services. Our customary business clients get the appraisal process and the customary documents we provide. Being a homeowner that most likely doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value opinion than yours.

PMI Removal Appraisals

An attractive way to cut costs for homeowners is getting 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 is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're experienced in helping clients just like you dismiss unwanted PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other properties close by -- your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Shamrock Appraisals, Inc. is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. An appraisal from Shamrock Appraisals, Inc. can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for verity? Shamrock Appraisals, Inc. offers field reviews where we'll go out and check the subject and comparables. Or, if you need it immediately, we can 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 a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.