Attention homeowners: Real estate appraisal services for in Helena and Shelby County
The top seven reasons Alabama homeowners use DB Appraisal Services, Inc:
We at DB Appraisal Services, Inc understand the particular needs of a homeowner looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at DB Appraisal Services, Inc are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value judgement than yours.
Challenge property tax assessmentsYour local tax assessor may have your house overvalued if you live in a local area that is declining. This only means you are going to pay 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. An appraisal from DB Appraisal Services, Inc is your strongest weapon when challenging your property tax assessment.
Need to remove PMI?A preferred way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experts in helping homeowners just like you dismiss unnecessary PMI insurance.
Recently got a freeze to your HELOC?If your home is in a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. DB Appraisal Services, Inc can provide you with a professional appraisal that will help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Do you need a professional to double-check your appraisal for efficiency, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? DB Appraisal Services, Inc offers field reviews where we go out and check the subject and comps. Or, if you need it in a rush, we can provide you with a 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? We can assist you. Although most review work is commissioned by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opinion.