Need an appraisal in Houston or Harris County?

Here are the top 7 reasons why TX homeowners use HTX Appraisal:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a TX property tax assessment
  3. To cut your monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate

Do you own a home in or near Houston? Do you need help deciding the value of your real estate?
Contact HTX Appraisal.

We at HTX Appraisal understand the individual needs of a consumer seeking appraisal services. Our usual business clients understand the appraisal process and the standard "products" we deliver to them. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at HTX Appraisal 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 a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to remove PMI

A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experienced in helping customers just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge a property tax assessment

If you live in an area that is going down or is not appreciating as much as other homes close by, your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an expert appraisal from HTX Appraisal is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. HTX Appraisal can provide you with an expert appraisal to help you reinstate your home equity line of credit.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would wish to have a professional double-check it for verity or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it immediately, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? HTX Appraisal can We can assist you. While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.