Real estate appraisal services for homeowners in the city of Columbiana and Shelby County

Here are the top seven reasons AL homeowners hire SR Appraisals:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge Shelby county's assessment of your propertyvalue
To lower their mortgage payment by removing PMI
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
Settle an estate in AL by determining the true market value of property in question

Own a house in or near Columbiana, AL and need help determining the price of it?
Contact SR Appraisals.

At SR Appraisals, we understand the particular needs of a customer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at SR Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value assessment than yours.

Need to remove PMI?

A fashionable money saver for homeowners is to get the PMI canceled 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 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. At SR Appraisals, we're veterans in helping folks just like you get rid of unwanted PMI insurance.

Challenging Shelby county's assessment of your property

If you live in a region that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from SR Appraisals is your number one weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. An efficient appraisal from SR Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd wish to have an expert double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can We can assist you While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.