Attention homeowners in Gantt and Covington County: Get an Appraisal today!
Here are the top reasons Alabama homeowners need Amis Appraisals:
At Amis Appraisals, we understand the individual needs of a homeowner in need of appraisal services. Our customary business clients get the appraisal process and the usual documents we provide. But as a consumer, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Amis Appraisals, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value judgement than yours.
Challenging property tax assessmentsYour local tax assessor may have your home overvalued if your home is not appreciating as much as other properties nearby. This means you're probably paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Amis Appraisals is your perfect weapon when challenging your property tax assessment.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. Amis Appraisals is seasoned in helping clients just like you dismiss unwanted PMI insurance.
Was your HELOC recently frozen?If your house is close to a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Amis Appraisals can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Amis Appraisals can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can provide desk review and verify as many facts as we can, using online data sources as well as our own files.
Do you need a retrospective review of an appraisal report? We can help with that too. Even though most review work is requested by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are prudent to invest in a second opinion.