Attention homeowners in Lumberton and Hardin County: Get an Appraisal today!
Here are the top 7 reasons TX homeowners hire Coker Appraisers:
Need help determining the price of your house in or near Lumberton, TX?
We at Coker Appraisers understand the unique needs of a homeowner looking for appraisal services. Our customary business clients understand the appraisal process and the customary reporting formats. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're veterans in helping consumers just like you get rid of unwanted PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in an area that's declining or is not appreciating as much as other houses close by. This means you are probably 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 a matter like this, the better off you'll be. An expert appraisal from Coker Appraisers is your best weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your property is in a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Coker Appraisers can help you reinstate your home equity line of credit with a professional appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned professional to double-check your appraisal for efficiency, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Coker Appraisers offers field reviews where we go out and check the subject and comparables in question. Or, if you need it ASAP, 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 a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.