Real estate appraisal services for homeowners in the city of Fairfield and Jefferson County

The top reasons AL homeowners need Crochen & Associates, LLC:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
To challenge a AL property tax assessment
Remove PMI to reduce their mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Own a home in or near Fairfield, AL and need help determining the price of it?
Contact Crochen & Associates, LLC.

We at Crochen & Associates, LLC understand the unique needs of a homeowner in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. As our non-traditionalclient, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your 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 very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to cancel PMI

A fashionable way to cut expenses 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". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. At Crochen & Associates, LLC, we're qualified in helping folks just like you rid themselves of undesirable PMI insurance.

Challenging property tax assessments

Lets say you live in a local area that's declining -- your local tax assessor may have your home overvalued. That means you are most likely paying more taxes than you should. 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. A professional appraisal from Crochen & Associates, LLC is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Crochen & Associates, LLC can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for verity, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Crochen & Associates, LLC offers field reviews where we'll go out and check the subject and comparables in question. If you're in a rush, 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 report? Crochen & Associates, LLC can We can assist you. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.