Appraisal services for Birmingham and Jefferson County homeowners
See the top seven reasons Alabama homeowners use Certified Valuation Group LLC:
At Certified Valuation Group LLC, we understand the unique needs of a consumer looking for appraisal services. Our regular business clients understand the appraisal process and the usual reporting formats. But as a consumer, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at Certified Valuation Group LLC will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value report than yours.
Challenge Tax AssessmentLet's say you live in a region that's declining -- your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Certified Valuation Group LLC is your best weapon.
Appraisals to cancel PMIPMI stands for Private Mortgage Insurance. An attractive 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 down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experts in helping customers just like you dismiss unneeded PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be troublesome from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Certified Valuation Group LLC can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?Do you need a professional to double-check your appraisal for efficiency, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you need it immediately, 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.
We can also provide a retrospective review of any appraisal you may have had in the past. Even though most appraisal reviews are commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.