Attention homeowners: Real estate appraisal services for in Harris County, Fort Bend County and Brazoria County
The top seven reasons why TX homeowners call on Vestal Appraisal Solution:
Do you own a house in or near Houston? Do you need help determining the value of your real estate?
We at Vestal Appraisal Solution understand the special needs of a homeowner in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. As our client, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your home because you probably have an 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. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value estimation than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. 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, which will make your monthly payments go down. We're seasoned in helping clients just like you get rid of undesirable PMI insurance.
Challenge a property tax assessment
If you live in an area that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. An appraisal report from Vestal Appraisal Solution is your best weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your home is in or near a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. Vestal Appraisal Solution can help you reinstate your home equity line of credit with efficient appraisal.
We Provide Field and Desktop Appraisal Review Services
Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for precision? In a field review we'll go out and check the subject and comparables in question. Or, if you need it ASAP, we can 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 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 desire to take advantage of this service if you suspect mortgage fraud related to your property.