Need an appraisal in Kyle or Hays County?
Here are the top 7 reasons why TX homeowners need Appraisal Professionals:
Own a house in or near Kyle, TX and need help deciding the value of it?
At Appraisal Professionals, we understand the special needs of a consumer in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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
Since you have an emotional attachment to your 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. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value opinion than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're veterans in helping people just like you abolish unwanted PMI insurance.
Challenge property tax assessments
If you live in a local area that is going down or not appreciating as much as other homes close by, your local tax assessor may have your home overvalued. That only means you're going to pay more taxes than you should. The earlier 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. Getting an appraisal from Appraisal Professionals is your strongest weapon when challenging your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. Not only can this be difficult from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Appraisal Professionals can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for verity, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you need it ASAP, 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 you may have in your possession. Even though this is typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your home.