Attention homeowners: Real estate appraisal services for in Cullman and Cullman County

Here are the top 7 reasons why AL homeowners use Hagan Real Estate, Inc.:

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

Own a home in or near Cullman, AL and need help deciding the value of it?
Contact Hagan Real Estate, Inc..

We at Hagan Real Estate, Inc. understand the special needs of a homeowner after 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 house, 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 buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your home 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 getting the PMI canceled 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 property. In most cases you can apply to a lender to have the PMI removed from your loan. We're experienced in helping clients just like you get rid of unnecessary PMI insurance.

Challenge a property tax assessment

Lets say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. This only means you're 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 expert appraisal from Hagan Real Estate, Inc. is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be negative on 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. Hagan Real Estate, Inc. can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you need it immediately, 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.

Do you need a retrospective review of an appraisal report? Hagan Real Estate, Inc. can We can assist you. Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.