Need an appraisal in Denton or Denton County?
Here are the top seven reasons why TX homeowners call on LHC Appraisals:
Do you own a home in or near Denton? Do you need help deciding the value of your real estate?
At LHC Appraisals, we understand the individual needs of a customer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. As our non-traditionalclient, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your house because you most likely have an emotional attachment to it. The professional appraisers at LHC Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value conclusion than yours.
Need to cancel PMI?
A preferred way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 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. We're experienced in helping consumers just like you do away with unwanted PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in a region that is declining. This means you are paying higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from LHC Appraisals is your strongest weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Your lender 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. Not only can this be annoying from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. LHC Appraisals can help you reinstate your home equity line of credit with an expert appraisal.
We Provide Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you'd wish to have a veteran appraiser double-check it for efficiency or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? LHC Appraisals offers field reviews where we'll 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.
Do you need a retrospective review of an appraisal report? LHC Appraisals can help you with that. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.