Reasons someone would hire HoustonAppraisal.com

To a lot of us, an appraisal is simply one more thing in the long list of items for a home sale or refinance. Nearly all lenders still call for a local expert because the stakes are very high, even though there are a budding number of automated home valuation processes that may appear to be less expensive than an appraisal. You might believe that securing a mortgage is the only reason to get an appraisal, but there are more cases when the services of a licensed, independent real estate professional could be beneficial.


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Challenge your tax assessment in Montgomery County

It's likely you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your home, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from HoustonAppraisal.com is your best evidence when building your case. At HoustonAppraisal.com,we can assist you in appealing your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that almost all lenders ask homeowners to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. This additional payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, HoustonAppraisal.com can produce a statement regarding the value of your home. The price you paid for the home valuation can usually be recovered in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the strenuous decision of who gets the home, and it can be a particularly heartbreaking event for both parties. Regardless of the circumstances, it's wise to get an appraisal from HoustonAppraisal.com so both parties are entirely aware of the true market value of their home.

The parties will have a a good idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Accurate and fair estate liquidation

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal.

HoustonAppraisal.com can help you with relocating to or from Montgomery County

We are familiar with the stress involved with an employee relocation. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, as well as information about any current sales or listings in their area that they want considered during our detailed process.

Selling your home quickly at the right price with an appraisal from HoustonAppraisal.com

A professional appraisal can help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't contingent upon the value opinion we render, but rather they depend on our efforts to complete the appraisal.

We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long houses are one the market.