Appraisal services for Houston and Harris County homeowners
Here are the top seven reasons Texas homeowners need Edward Miller Appraisal Services:
We at Edward Miller Appraisal Services understand the special needs of a customer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our client, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Edward Miller Appraisal Services are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value conclusion than yours.
Challenge Harris County's assessment of your propertyYour local tax assessor may have your house overvalued if you live in an area that's declining or not appreciating as much as other properties close by. This means you are probably paying higher taxes than you should be paying. The faster 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. An expert appraisal from Edward Miller Appraisal Services is your #1 weapon when contesting your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Edward Miller Appraisal Services, we're experts in helping customers just like you dismiss undesirable PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be difficult from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Edward Miller Appraisal Services can provide you with efficient appraisal that will help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Have you just gotten a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for preciseness or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you need it in a rush, we can 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 report you may have had in the past. Even though most review work is commissioned by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.