Attention homeowners in Foley and Baldwin County: Get an Appraisal today!

Here are the top seven reasons AL homeowners use J.E.K. Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a AL property tax assessment
  3. To reduce their monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (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 property in question to settle an estate in Baldwin county or AL

Need help deciding the price of your house in or near Foley, AL?
Contact J.E.K. Appraisals.

We at J.E.K. Appraisals understand the individual needs of a consumer seeking appraisal services. While our typical 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 (FSBO)

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at J.E.K. Appraisals 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 price to sell at so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At J.E.K. Appraisals, we're qualified in helping customers just like you dismiss unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in an area that's declining. This only means you're paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from J.E.K. Appraisals is your perfect weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be inopportune from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. J.E.K. Appraisals can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? J.E.K. Appraisals offers field reviews where we'll go out and check the subject and comps. If you need it ASAP, we'll 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? J.E.K. Appraisals can help with that too. Even though this is typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.