Attention homeowners: Real estate appraisal services for in Harlingen and Cameron County

Here are the top 7 reasons Texas homeowners call on Southmost Realty Appraisals & Consultants:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge Cameron County's assessment of your property value
  3. Remove PMI to reduce a mortgage payments
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in Texas by determining the true market value of a property
Own a home in or near Harlingen, Texas and need help determining the value of it? Contact Southmost Realty Appraisals & Consultants.

We at Southmost Realty Appraisals & Consultants understand the special needs of a homeowner in need of appraisal services. While our usual 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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Southmost Realty Appraisals & Consultants will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Challenge Cameron County's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that's declining or not appreciating as much as other properties close by. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an appraisal report from Southmost Realty Appraisals & Consultants is your chief weapon when challenging your property tax assessment.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Southmost Realty Appraisals & Consultants, we're experts in helping customers just like you rid themselves of unwanted PMI insurance.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. Southmost Realty Appraisals & Consultants can help you reinstate your home equity line of credit with efficient appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for preciseness? We can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can provide 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 appraisal reviews are requested by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.