Need an appraisal in Smiths Station or Lee County?

The top 7 reasons why AL homeowners hire Vinyard Valuation Services:

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 cut their mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in AL

Need help deciding the price of your home in or near Smiths Station, AL?
Contact Vinyard Valuation Services.

We at Vinyard Valuation Services understand the individual needs of a consumer looking for appraisal services. Our usual business clients are used to the appraisal process and the usual reporting formats. Being a person not in the real estate field that probably doesn't look at appraisals on a regular basis,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.

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. The professional appraisers at Vinyard Valuation Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. The appraisal is 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 home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value conclusion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Vinyard Valuation Services is experienced in helping people just like you remove undesirable PMI insurance.

Challenging Lee county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is going down. That means you're probably paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Vinyard Valuation Services is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. Vinyard Valuation Services can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Vinyard Valuation Services offers field reviews where we'll 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 report? Vinyard Valuation Services can help with that too. Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.