Real estate appraisal services for homeowners in the city of Cullman and Cullman County
The top reasons AL homeowners hire Hagan Real Estate, Inc.:
Need help determining the value of your home in or near Cullman, AL?
At Hagan Real Estate, Inc., we understand the special needs of a customer in need of 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
Since you have an emotional attachment to your 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 valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Hagan Real Estate, Inc., we're experienced in helping customers just like you abolish unneeded and unwanted PMI insurance.
Challenging Cullman county's assessment of your property
Lets say you live in a local area that is going down -- your local tax assessor may have your home overvalued. This 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 earlier you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from Hagan Real Estate, Inc. is your best weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. Hagan Real Estate, Inc. can provide you with efficient appraisal that will help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you would like to have a seasoned appraiser double-check it for verity or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Hagan Real Estate, Inc. can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, 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? Hagan Real Estate, Inc. can help you with that. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.