Real estate appraisal services for homeowners in the city of Huntsville and Madison County

Here are the top seven reasons AL homeowners hire North Alabama Appraisals:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Madison county's assessment of your propertyvalue
Remove PMI to lower their mortgage payment
Reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in AL by determining the true market value of property in question

Do you own a house in or near Huntsville? Do you need help deciding the value of your real estate?
Contact North Alabama Appraisals.

We at North Alabama Appraisals understand the particular needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. 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 present our findings.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at North Alabama Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It's 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 assume you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping clients just like you get rid of undesirable PMI insurance.

Challenge Tax Assessment

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. This only means you're 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. When contesting your property tax assessment, getting an appraisal from North Alabama Appraisals is your strongest weapon.

Was your HELOC recently frozen?

If your house is near a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. An expert appraisal from North Alabama Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for efficiency? In a field review we will go out and check the subject and comparables. Or, if you're in a hurry, 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 report? North Alabama Appraisals can We can assist you. Even though this is usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.