Need an appraisal in Tuscaloosa or Tuscaloosa County?
Check out the top seven reasons Alabama homeowners hire GVI Appraisals, Inc.:
We at GVI Appraisals, Inc. understand the particular needs of a homeowner seeking appraisal services. Our customary business clients are used to the appraisal process and the usual reporting formats. But as a general consumer, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your home because of your emotional attachment to it. Our professional appraisers at GVI Appraisals, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Potential 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.
Challenge Tuscaloosa County's assessment of your propertyLet's say you live in a region that is going down -- your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. An appraisal report from GVI Appraisals, Inc. is your chief weapon when contesting your property tax assessment.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan amount is 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, which will make your monthly payments go down. We're veterans in helping folks just like you delete unnecessary PMI insurance.
Was your HELOC recently frozen?Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. A professional appraisal from GVI Appraisals, Inc. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Do you need a professional to double-check your appraisal for efficiency, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it immediately, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.
We can also provide you with a retrospective review of any appraisal report you may have had in the past. Even though most review work is requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to get a second opinion.