Need an appraisal in Florence or Lauderdale County?

Here are the top seven reasons why AL homeowners use Cypress Creek Appraisals LLC:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a AL property tax assessment
  3. To cut a mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a AL divorce, when property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Lauderdale county or AL

Do you own a house in or near Florence? Do you need help deciding the price of your real estate?
Contact Cypress Creek Appraisals LLC.

At Cypress Creek Appraisals LLC, we understand the special needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. Being a consumer that probably doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your 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. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. Cypress Creek Appraisals LLC is qualified in helping folks just like you dismiss unwanted and unneeded PMI insurance.

Challenging a property tax assessment

If you live in an area that is declining or is not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When contesting your property tax assessment, getting a professional appraisal from Cypress Creek Appraisals LLC is your best weapon.

Was your HELOC recently frozen?

If your home is near a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Cypress Creek Appraisals LLC can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd like to have a seasoned expert double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. 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? Cypress Creek Appraisals LLC can help with that too. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.