Need an appraisal in Gardendale or Jefferson County?

Check out the top 7 reasons why AL homeowners hire Morgan-Mains Appraisal Service:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut your mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a AL divorce, when property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate

Own a home in or near Gardendale, AL and need help deciding the value of it?
Contact Morgan-Mains Appraisal Service.

At Morgan-Mains Appraisal Service, we understand the particular needs of a consumer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your home because you most likely 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. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It's 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 house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value assessment than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Morgan-Mains Appraisal Service is qualified in helping consumers just like you abolish unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is going down. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. An appraisal report from Morgan-Mains Appraisal Service is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be unsuitable from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Morgan-Mains Appraisal Service can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you're in a hurry, 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.

Need a retrospective review of an appraisal? We can We can assist you While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.