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Attention homeowners: Real estate appraisal services for in Chancellor and Geneva County

The top 7 reasons why Alabama homeowners use ALSouth Appraisal Services LLC:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Geneva County's assessment of your property value
  3. To lower your monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a divorce in the state of Alabama, when property needs to be divided
  7. Settle an estate in Alabama by determining the true market value of real estate
Need help determining the price of your home in or near Chancellor, Alabama? Contact ALSouth Appraisal Services LLC.

At ALSouth Appraisal Services LLC, we understand the individual needs of a homeowner in need of appraisal services. Our typical business clients understand the appraisal process and the standard reporting formats. But as a consumer, you can expect 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/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. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value estimation than yours.

Challenging Geneva County's assessment of your property

Let's say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This only means you are most likely paying higher taxes than you should be paying. The quicker you take care of a matter 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 ALSouth Appraisal Services LLC is your chief weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting 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 below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. We're experts in helping folks just like you abolish unwanted PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be inopportune from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from ALSouth Appraisal Services LLC can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for efficiency, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you're 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? ALSouth Appraisal Services LLC can help you with that. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.