Attention homeowners in Hitchcock and Galveston County: Get an Appraisal today!
The top seven reasons why Texas homeowners use Allegiance Appraisals:
We at Allegiance Appraisals understand the special needs of a homeowner in need of appraisal services. While our usual 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.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Allegiance Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. 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 buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.
Challenging Galveston County's assessment of your propertyYour local tax assessor may have your home overvalued if your house not appreciating as much as other houses nearby. This means you are 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. An appraisal from Allegiance Appraisals is your number one weapon when contesting your property tax assessment.
PMI Removal AppraisalsGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We're qualified in helping clients just like you abolish unneeded PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be harmful to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Allegiance Appraisals can provide you with a professional appraisal that will help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Allegiance Appraisals can go out and check the subject and comparables in question in a field review. If you need it in a rush, we'll provide you with a 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 retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.