Attention homeowners in Huntsville and Madison County: Need an appraisal?

The top seven reasons why Alabama homeowners hire Carden Appraisals:

1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
2. Challenge property tax assessments
3. To reduce their monthly mortgage payment by removing PMI
4. To reinstate your Home Equity Line of Credit (or HELOC)
5. Verify another appraiser's report
6. In the case of a divorce in the state of Alabama, when real estate needs to be divided
7. Settle an estate in Alabama by determining the true market value of real estate

	Do you own a house in or near Huntsville? Do you need help determining the value of your real estate? Contact Carden Appraisals.

At Carden Appraisals, we understand the individual needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Carden Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value judgement than yours.

Challenge property tax assessments

If you live in a local area that is declining or not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Carden Appraisals is your #1 weapon when contesting your property tax assessment.

Appraisals to remove PMI

A popular way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're qualified in helping customers just like you rid themselves of unneeded PMI insurance.

Was your HELOC recently frozen?

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 house is near a declining area. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. An expert appraisal from Carden Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

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

We can also provide you with a retrospective review of any appraisal you may have had in the past. Even though most review work is requested by lenders, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.