Need an appraisal in Dothan or Houston County?

Here are the top seven reasons why Alabama homeowners use Pitcher & Associates, LLC:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to reduce their mortgage payments
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of the property in question to settle an estate in Alabama
Do you own a home in or near Dothan? Do you need help determining the price of your real estate? Contact Pitcher & Associates, LLC.

We at Pitcher & Associates, LLC understand the special needs of a consumer seeking appraisal services. Our typical business clients are used to the appraisal process and the usual documents we provide. Being a regular consumer that ordinarily doesn't see an appraisal on a regular basis, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

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 Pitcher & Associates, LLC 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 selling price so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value estimation than yours.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that is going down. This means you're most likely paying higher taxes than you should be paying. The sooner 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 Pitcher & Associates, LLC is your number one weapon when contesting your property tax assessment.

Need to remove PMI?

A fashionable money saver for homeowners is getting the PMI eliminated 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 less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. At Pitcher & Associates, LLC, we're qualified in helping homeowners just like you rid themselves of unnecessary PMI insurance.

Recently got a freeze to your HELOC?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. Pitcher & Associates, LLC can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would like to have a seasoned expert double-check it for precision or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Pitcher & Associates, LLC can go out and check the subject and comparables in a field review. Or, if you need it in a rush, we can 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 report you may have had done before. Even though most review work is commissioned by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are prudent to invest in a second opinion.