Attention homeowners in Houston and Harris County: Need an appraisal?
Here are the top seven reasons TX homeowners need Trombly Appraisal:
Do you own a house in or near Houston? Do you need help deciding the value of your real estate?
At Trombly Appraisal, we understand the particular needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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)
Since you have an emotional attachment to your own house, 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 selling price so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers assume 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 cancel PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. Trombly Appraisal is seasoned in helping customers just like you do away with unneeded and unwanted PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if you live in an area that's going down. This only means you're paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from Trombly Appraisal is your perfect weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Trombly Appraisal can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you would like to have a seasoned professional double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you're in a rush, we'll 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 you with a a retrospective review of any appraisal report you may have had in the past. Even though this is usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.