Real estate appraisal services for homeowners in the city of Helena and Shelby County

Here are the top seven reasons Alabama homeowners order from Copeland Appraisals, L.L.C.:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to cut your monthly mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a divorce in the state of Alabama, when real estate property needs to be divided
Determine the true market value of the real estate in question to settle an estate in Alabama


	Need help determining the value of your house in or near Helena, Alabama? Contact Copeland Appraisals, L.L.C..

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

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's market value, not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that is declining or is not appreciating as much as other homes close to yours. This means you are probably paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Copeland Appraisals, L.L.C. is your #1 weapon when contesting your property tax assessment.

Appraisals to cancel PMI

A fashionable money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Copeland Appraisals, L.L.C. is seasoned in helping people just like you do away with unwanted PMI insurance.

Recently got a freeze to your HELOC?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Copeland Appraisals, L.L.C. can provide you with a professional appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for accuracy? Copeland Appraisals, L.L.C. offers field reviews where we go out and check the subject and comparables in question. Or, if you need it 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 a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.