Attention homeowners: Real estate appraisal services for in Gadsden and Etowah County

See the top seven reasons why Alabama homeowners call on Timothy N. Marbut:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
To challenge your property tax assessment in Alabama
To reduce your monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a divorce in the state of Alabama, where real estate needs to be divided
To settle an estate in Alabama by determining the true market value of the real estate in question


	Own a house in or near Gadsden, Alabama and need help deciding the value of it? Contact Timothy N. Marbut.

At Timothy N. Marbut, we understand the unique needs of a consumer looking for appraisal services. While our usual 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.

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

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Timothy N. Marbut are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value opinion than yours.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that's going down. That only 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. A professional appraisal from Timothy N. Marbut is your chief weapon when challenging your property tax assessment.

Need to cancel PMI?

An attractive 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". Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. Timothy N. Marbut is experienced in helping folks just like you get rid of undesirable PMI insurance.

Recently got a freeze to your HELOC?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be annoying from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Timothy N. Marbut can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for preciseness, or do you want a second opinion without the expense 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 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.

We can also provide a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.