Attention homeowners in Houston and Harris County: Need an appraisal?

Here are the top seven reasons Texas homeowners order from Home Team Appraisals:

1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
2. Challenge property tax assessments
3. To cut their mortgage payments by removing PMI
4. Reinstate their Home Equity Line of Credit (HELOC)
5. Review another appraiser's report for verification
6. If real estate property needs to be divided because of a divorce
7. Determine the true market value of the real estate in question to settle an estate in Texas

	Need help determining the price of your home in or near Houston, Texas? Contact Home Team Appraisals.

At Home Team Appraisals, we understand the special needs of a homeowner looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Home Team Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's 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. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value judgement than yours.

Challenge Harris County's assessment of your property

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other properties nearby. That only means you're most likely paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Home Team Appraisals is your strongest weapon.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. 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 eliminated from your loan, which will make your monthly payments go down. Home Team Appraisals is seasoned in helping clients just like you remove undesirable PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Home Team Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for accuracy? Home Team Appraisals offers field reviews where we go out and check the subject and comps in question. Or, if you need it immediately, 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 a retrospective review of any appraisal you may have had done before. Even though most appraisal reviews are commissioned by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opnion..