Attention homeowners in De Kalb and Bowie County: Need an appraisal?

Check out the top seven reasons Texas homeowners hire Professional Appraisal Associates:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Bowie County's assessment of your property
Remove PMI to cut a mortgage payment
Reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Texas, when real estate property needs to be divided
To settle an estate in Bowie county or Texas by determining the true market value of the property in question


	Need help deciding the value of your house in or near De Kalb, Texas? Contact Professional Appraisal Associates.

We at Professional Appraisal Associates understand the individual needs of a customer in need of appraisal services. While our typical 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.

For-Sale-by-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Professional Appraisal Associates, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.

Challenging a property tax assessment

Let's say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. Getting an appraisal report from Professional Appraisal Associates is your strongest weapon when challenging your property tax assessment.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is 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. We're qualified in helping customers just like you dismiss unnecessary PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be difficult from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Professional Appraisal Associates can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you need it immediately, 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 report you may have in your possession. Even though most review work is commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.