Attention homeowners: Real estate appraisal services for in Bessemer and Jefferson County

The top 7 reasons why AL homeowners need Shelton Appraisals:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. To reduce their mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in AL by determining the true market value of property in question

Need help deciding the value of your house in or near Bessemer, AL?
Contact Shelton Appraisals.

We at Shelton Appraisals understand the particular needs of a consumer seeking 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/Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to 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 a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We are experienced in helping clients just like you delete unwanted and unneeded PMI insurance.

Challenge Jefferson county's assessment of your property

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your house 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 faster you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting a professional appraisal from Shelton Appraisals is your strongest weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be disadvantageous from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An appraisal from Shelton Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Shelton Appraisals offers field reviews where we go out and check the subject and comparables in question. Or, if you need it ASAP, we can provide 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? Shelton Appraisals can help with that too. Even though this is typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your property.