Attention homeowners in Northport and Tuscaloosa County: Need an appraisal?

See the top seven reasons why AL homeowners order from Holdefer Appraisal Services:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a AL property tax assessment
  3. Remove PMI to cut your mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a AL divorce, when real estate property needs to be divided
  7. To settle an estate in AL by determining the true market value of real estate in question

Need help deciding the value of your home in or near Northport, AL?
Contact Holdefer Appraisal Services.

We at Holdefer Appraisal Services understand the unique needs of a consumer in need of appraisal services. While our usual 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Holdefer Appraisal Services 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 price to sell at so your home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value report than yours.

Appraisals to remove PMI

A preferred money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Holdefer Appraisal Services is seasoned in helping homeowners just like you dismiss unnecessary PMI insurance.

Challenge Tuscaloosa county's assessment of your property

Lets say you live in a local area that is declining -- your local tax assessor may have your home overvalued. This means you're going to pay higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Holdefer Appraisal Services is your perfect weapon.

Recently got a freeze your HELOC?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Holdefer Appraisal Services can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for precision? An appraiser from Holdefer Appraisal Services can go out and check the subject and comps in question in a field review. Or, if you need it in a rush, we can 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 help you with that Even though this is typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.