Need an appraisal in Florence or Lauderdale County?

See the top 7 reasons why AL homeowners order from Melissa Calloway, SRA:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower a monthly mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Own a home in or near Florence, AL and need help determining the value of it?
Contact Melissa Calloway, SRA.

We at Melissa Calloway, SRA understand the particular needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and accountants. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Melissa Calloway, SRA will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to remove PMI

A preferred way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experienced in helping consumers just like you dismiss unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in an area that is declining. That means you are paying more taxes than you should. The quicker 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 Melissa Calloway, SRA is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your property is in a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Melissa Calloway, SRA can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for precision, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Melissa Calloway, SRA can go out and check the subject and comps in a field review. 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.

Do you need a retrospective review of an appraisal report? Melissa Calloway, SRA can help with that too. While typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.