Attention homeowners in Semmes and Mobile County: Need an appraisal?

The top seven reasons why AL homeowners use Pelman Appraisal Services (251) 895-1787:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a AL property tax assessment
To lower your monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate

Need help deciding the value of your house in or near Semmes, AL?
Contact Pelman Appraisal Services (251) 895-1787.

We at Pelman Appraisal Services (251) 895-1787 understand the unique needs of a homeowner seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Pelman Appraisal Services (251) 895-1787 will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Potential buyers know 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.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. We are qualified in helping clients just like you get rid of unnecessary PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that is declining. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. A professional appraisal from Pelman Appraisal Services (251) 895-1787 is your strongest weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Pelman Appraisal Services (251) 895-1787 can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would like to have a professional double-check it for preciseness or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you're in a rush, 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? Pelman Appraisal Services (251) 895-1787 can help with that too. Even though this is typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.