Attention homeowners in Huntsville and Madison County: Get an Appraisal today!

Here are the top seven reasons AL homeowners hire JJ Malone, Inc.:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a AL property tax assessment
  3. To lower a mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To 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 Madison county or AL

Do you own a home in or near Huntsville? Do you need help determining the value of your real estate?
Contact JJ Malone, Inc..

At JJ Malone, Inc., we understand the unique needs of a customer seeking appraisal services. Our typical business clients understand the appraisal process and the standard reporting formats. Being a person not in the real estate field that probably doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at JJ Malone, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. 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 the lender to have the PMI removed from your loan. JJ Malone, Inc. is qualified in helping consumers just like you rid themselves of unwanted PMI insurance.

Challenge Tax Assessment

If you live in a region that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting an appraisal from JJ Malone, Inc. is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from JJ Malone, Inc. can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for efficiency? JJ Malone, Inc. offers field reviews where we go out and check the subject and comps. 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.

Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.