Real estate appraisal services for homeowners in the city of Bonham and Fannin County

The top seven reasons why TX homeowners call on Hometown Appraisal Services LLC:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
To challenge a TX property tax assessment
To cut a mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a TX divorce, when real estate needs to be divided
To determine the true market value of property in question to settle an estate in Fannin County or the state of TX

Need help deciding the value of your home in or near Bonham, TX?
Contact Hometown Appraisal Services LLC.

We at Hometown Appraisal Services LLC understand the special needs of a homeowner seeking 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.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses 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 amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. At Hometown Appraisal Services LLC, we're experienced in helping people just like you delete unwanted PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. This only means you're probably paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Hometown Appraisal Services LLC is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your property is in a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Hometown Appraisal Services LLC can provide you with an expert appraisal to help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for verity, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Hometown Appraisal Services LLC offers field reviews where we go out and check the subject and comps in question. If you need it in a rush, 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.

Do you need a retrospective review of an appraisal report? Hometown Appraisal Services LLC can We can assist you. While usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.