Attention homeowners in Ashville and Saint Clair County: Need an appraisal?

Check out the top seven reasons why AL homeowners call on Jennifer Spears Appraisal Service:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
Remove PMI to cut a mortgage payments
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a AL divorce, when real estate property needs to be divided
To settle an estate in AL by determining the true market value of real estate in question

Need help deciding the price of your home in or near Ashville, AL?
Contact Jennifer Spears Appraisal Service.

We at Jennifer Spears Appraisal Service understand the individual needs of a customer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

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

It's very hard to be objective about your house because you probably have an emotional attachment to 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 valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value report than yours.

Need to cancel PMI?

A preferred 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 amount is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. We're seasoned in helping clients just like you get rid of unwanted PMI insurance.

Challenging Saint Clair county's assessment of your property

Lets say your home is not appreciating as much as other houses nearby -- your local tax assessor may have your house overvalued. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. An expert appraisal from Jennifer Spears Appraisal Service is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be annoying from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Jennifer Spears Appraisal Service can provide you with a professional appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for verity, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. 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 done before. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.