Attention homeowners in Denton and Denton County: Need an appraisal?
The top seven reasons TX homeowners use LHC Appraisals:
Do you own a house in or near Denton? Do you need help deciding the price of your real estate?
We at LHC Appraisals understand the individual needs of a customer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO)
It's very hard to be objective about your own house because you probably have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan is down 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. We are experts in helping homeowners just like you remove unwanted and unneeded PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses close to yours. This means you are probably paying higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from LHC Appraisals is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. LHC Appraisals can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need a seasoned professional to double-check your appraisal for verity, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. 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.
Need a retrospective review of an appraisal? We can We can assist you Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.