Attention homeowners in Tuscaloosa and Tuscaloosa County: Need an appraisal?

See the top 7 reasons AL homeowners need David Ikard:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. To challenge a AL property tax assessment
  3. To reduce their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a AL divorce, where real estate property needs to be divided
  7. Settle an estate in AL by determining the true market value of real estate in question

Own a house in or near Tuscaloosa, AL and need help deciding the price of it?
Contact David Ikard.

At David Ikard, we understand the particular needs of a consumer after appraisal services. Our customary business clients are used to the appraisal process and the customary reporting formats. As our client, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at David Ikard 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 buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. David Ikard is experienced in helping homeowners just like you remove unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your home not appreciating as much as other homes close by. This means you're most likely paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from David Ikard is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. David Ikard can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would like to have a seasoned appraiser double-check it for verity or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? David Ikard offers field reviews where we'll go out and check the subject and comps in question. If you're in a rush, 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 you with a a retrospective review of any appraisal report you may have had done before. Even though this is typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.