Real estate appraisal services for homeowners in the North Alabama market area (serving Madison, Limestone, Morgan, Jackson, & Marshall counties)
See the top seven reasons why Alabama homeowners use Kennamer Appraisals:
At Kennamer Appraisals, we understand the unique needs of a homeowner seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 ServicesSince you have an emotional attachment to your own home, 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. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the 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. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value report than yours.
Challenging Madison County's assessment of your propertyYour local tax assessor may have your house overvalued if your home is not appreciating as much as other properties nearby. This only means you are most likely paying 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 a matter like this, the better off you'll be. Getting an expert appraisal from Kennamer Appraisals is your chief weapon when challenging your property tax assessment.
Appraisals to cancel PMIAn attractive way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. Denton & Kennamer Appraisals is qualified in helping clients just like you abolish unwanted and unneeded PMI insurance.
HELOC recently frozen?Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow viewpoint. Kennamer Appraisals can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review ServicesHave you just accepted a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for accuracy or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you're in a hurry, 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 a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.