Real estate appraisal services for homeowners in the city of Anniston and Calhoun County

The top seven reasons why AL homeowners use Davis Appraiser:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. Challenge a property tax assessment
  3. To lower their mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a AL divorce, when real estate property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate in Calhoun County or the state of AL

Need help determining the price of your home in or near Anniston, AL?
Contact Davis Appraiser.

We at Davis Appraiser understand the particular needs of a homeowner after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a homeowner that probably doesn't see an appraisal every day,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own 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. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Interested buyers know 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.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. Davis Appraiser is experienced in helping consumers just like you dismiss unwanted PMI insurance.

Challenge Calhoun county's assessment of your property

Lets say you live in a region that's declining -- your local tax assessor may have your house overvalued. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting a professional appraisal from Davis Appraiser is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

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 property is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Davis Appraiser can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would prefer to have a professional double-check it for preciseness or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Davis Appraiser offers field reviews where we'll go out and check the subject and comps in question. If you're in a hurry, we'll provide you with a 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 report you may have in your possession. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.