There are lots of reasons consumers call on Home Team Appraisals

Year after year, thousands of people in Texas purchase, sell or refinance their home. Most of these transactions consist of a simple line item for an appraisal. Nearly all lenders still want a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation methods that may seem more prudent than an appraisal. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are more cases when the services of a certified, independent real estate professional could be beneficial.


	For real estate appraisals in Houston and Harris County, it's easiest when your order online from Home Team Appraisals, just click here.

Let Home Team Appraisals help you challenge your tax assessment in Harris County

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your house, so if prices have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from Home Team Appraisals is your best evidence. We're capable of assisting you in appealing your tax assessment.

Let Home Team Appraisals help you eliminate PMI to lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the property, almost all lenders ask homeowners to purchase an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. More often than not, this extra payment is bundled into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI installments when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Home Team Appraisals will provide you with a statement regarding the value of your home. The expense of the home valuation can often be recovered in just a few months because you'll no longer be paying the PMI.

An appraisal from Home Team Appraisals will help you settle a divorce with less stress

A divorce is a particularly traumatic experience for the parties involved, and it is often even more complicated by the troublesome decision of who gets the home. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from Home Team Appraisals, regardless of the situation.

If the parties want to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation

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

Most Americans don't have dedicated estate planners or executors to handle these issues, unlike wealthier individuals. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Home Team Appraisals can help you with relocating to or from Harris County

Moving due to a job change can be a real painWe know where you're coming from. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information regarding any current sales or listings in their neighborhood that they want considered during our intensive process.

Don't sell out for too little or keep your home on the market too long.

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't contingent upon the value we come up with, but rather they are calculated on our efforts to finish the appraisal.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate 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 properties are one the market.