Need an appraisal in Foley or Baldwin County?

Here are the top 7 reasons AL homeowners order from Kristy Millington:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge Baldwin county's assessment of your propertyworth
  3. Remove PMI to lower a mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a AL divorce, where real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate

Need help deciding the price of your house in or near Foley, AL?
Contact Kristy Millington.

At Kristy Millington, we understand the individual needs of a customer in need of appraisal services. Our typical business clients are used to the appraisal process and the usual reporting formats. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting 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 below 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan. At Kristy Millington, we're experts in helping homeowners just like you do away with unwanted and unneeded PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. That means you're going to pay 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 off you'll be. When contesting your property tax assessment, getting an appraisal from Kristy Millington is your best weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be troublesome from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Kristy Millington can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for verity? We can go out and check the subject and comps in a field review. If you need it ASAP, 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.

Need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.