Attention homeowners in Wetumpka and Elmore County: Get an Appraisal today!
Here are the top seven reasons why Alabama homeowners call on Holliday Prescott Appraisals:
We at Holliday Prescott Appraisals understand the individual needs of a homeowner in need of appraisal services. While our usual 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 OwnerSince you have an emotional attachment to your own 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. A professional appraisal is very important as a 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 gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.
Challenge a property tax assessmentYour local tax assessor may have your home overvalued if you live in a local area that's going down. This only means you're 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. Getting an expert appraisal from Holliday Prescott Appraisals is your perfect weapon when contesting your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 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 experts in helping consumers just like you rid themselves of unneeded and unwanted PMI insurance.
HELOC recently frozen?If your home is in or near 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 unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. Holliday Prescott Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for verity or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you're 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.
Do you need a retrospective review of an appraisal? Holliday Prescott Appraisals can help you with that. While usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.