Appraisal services for Northern and Central Alabama homeowners
The top 7 reasons Alabama homeowners hire Sean W. Hollis Appraisals (256)476-5823:
We at Sean W. Hollis Appraisals (256)476-5823 understand the unique needs of a homeowner seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale by Owner (FSBO)Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Sean W. Hollis Appraisals (256)476-5823 are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.
Challenge Tax AssessmentIf you live in an area that is declining or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. This only means you're most likely 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. An expert appraisal from Sean W. Hollis Appraisals (256)476-5823 is your chief weapon when challenging your property tax assessment.
Need to remove PMI?PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount 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 are qualified in helping folks just like you abolish unwanted PMI insurance.
HELOC recently frozen?Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An appraisal from Sean W. Hollis Appraisals (256)476-5823 can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Have you just been given a copy of your appraisal and you'd like to have a veteran appraiser double-check it for precision or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Sean W. Hollis Appraisals (256)476-5823 can go out and check the subject and comps in a field review. If you need it in a rush, we'll provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.
We can also provide you with a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.