Need an appraisal in Montevallo or Shelby County?

Here are the top 7 reasons AL homeowners order from Dennis Kern:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. To challenge a AL property tax assessment
  3. Remove PMI to reduce your mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a AL divorce, where property needs to be divided
  7. To settle an estate in Shelby county or AL by determining the true market value of real estate in question

Do you own a house in or near Montevallo? Do you need help deciding the value of your real estate?
Contact Dennis Kern.

We at Dennis Kern understand the particular needs of a consumer in need of appraisal services. While our typical business 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an 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 a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to remove PMI

A preferred way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At Dennis Kern, we're experienced in helping homeowners just like you dismiss unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down. That means you're most likely paying more taxes than you should. The sooner 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 report from Dennis Kern is your best weapon.

HELOC recently frozen?

If your home is close to a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. An efficient appraisal from Dennis Kern can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for preciseness or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.