Attention homeowners: Real estate appraisal services for in Houston and Harris County

The top 7 reasons why Texas homeowners hire Garza's Appraisal Solutions:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a property tax assessment in Texas
To reduce a mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Texas, when property needs to be divided
To determine the true market value of a property to settle an estate in Harris county or Texas


	Own a home in or near Houston, Texas and need help deciding the price of it? Contact Garza's Appraisal Solutions.

We at Garza's Appraisal Solutions understand the particular needs of a customer in need of 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. Professional appraisers, like the ones at Garza's Appraisal Solutions, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is going down. This only means you're most likely paying higher taxes than you should be paying. 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 appraisal from Garza's Appraisal Solutions is your #1 weapon.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. 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, which will make your monthly payments go down. Garza's Appraisal Solutions is qualified in helping customers just like you abolish unneeded and unwanted PMI insurance.

Was your HELOC recently frozen?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be inopportune from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. Garza's Appraisal Solutions can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a veteran appraiser double-check it for accuracy or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Garza's Appraisal Solutions can go out and check the subject and comparables in question in a field review. 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.

Do you need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.