Need an appraisal in Cordova or Walker County?

The top seven reasons AL homeowners order from Hill Appraisal:

  1. Pre-listing appraisals (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. To reduce your mortgage payment by removing PMI
  4. To reinstate your 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 real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate in Walker County or the state of AL

Need help deciding the price of your house in or near Cordova, AL?
Contact Hill Appraisal.

We at Hill Appraisal understand the particular needs of a consumer seeking appraisal services. Our regular business clients get the appraisal process and the usual reporting formats. As our non-traditionalclient, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Hill Appraisal, are objective. We'll 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 buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to save money 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 down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. Hill Appraisal is seasoned in helping people just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge Walker county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that's declining. This means you are going to pay higher taxes than you should be paying. 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 expert appraisal from Hill Appraisal is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is in or near a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. Hill Appraisal can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would like to have a seasoned professional double-check it for preciseness or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Hill Appraisal can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, 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.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.