Real estate appraisal services for homeowners in the city of Prattville and Autauga County

The top 7 reasons why Alabama homeowners use Steven Wingard:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To reduce your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of the property in question to settle an estate


	Own a home in or near Prattville, Alabama and need help determining the value of it? Contact Steven Wingard.

At Steven Wingard, we understand the particular needs of a customer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 (FSBO)

It's very hard to be objective about your own home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable 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 buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other homes nearby. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. An appraisal from Steven Wingard is your number one weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. We are experienced in helping customers just like you rid yourselves of unnecessary PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be annoying from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Steven Wingard can help you reinstate your home equity line of credit with a professional appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have a professional double-check it for precision or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you need it in a rush, 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? Steven Wingard can help you with that. Even though most appraisal reviews are requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.