Appraisal services for Denton and Denton County homeowners
Here are the top seven reasons TX homeowners hire LHC Appraisals:
Do you own a home in or near Denton? Do you need help determining the value of your real estate?
We at LHC Appraisals understand the unique needs of a consumer looking for appraisal services. While our usual business 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
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at LHC 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 valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
Appraisals to cancel PMI
A fashionable way to cut expenses for homeowners is to get 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 home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. LHC Appraisals is experts in helping customers just like you remove undesirable PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if you live in an area that's going down or not appreciating as much as other houses nearby. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When challenging your property tax assessment, getting an expert appraisal from LHC Appraisals is your perfect weapon.
Recently got a freeze your HELOC?
If your home is in or near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow angle, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. LHC Appraisals can provide you with an expert appraisal to help you reinstate your HELOC.
Need 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 want an expert to double-check your appraisal for precision? In a field review we will go out and check the subject and comps. Or, if you need it in a rush, we can 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 a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.