Appraisal services for Auburn and Lee County homeowners

Here are the top seven reasons why Alabama homeowners call on Hardy Appraisal Service:

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

	Own a home in or near Auburn, Alabama and need help deciding the value of it? Contact Hardy Appraisal Service.

We at Hardy Appraisal Service understand the unique needs of a homeowner after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a regular homeowner that most likely doesn't see an appraisal on a regular basis, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

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

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Hardy Appraisal Service are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your home is worth. Potential buyers assume 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.

Challenge a property tax assessment

Let's say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Hardy Appraisal Service is your perfect weapon.

Need to remove 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. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping homeowners just like you delete unwanted PMI insurance.

Was your HELOC recently frozen?

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

Do You Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for efficiency? 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.

Do you need a retrospective review of an appraisal? We can assist you. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.