Appraisal services for Houston and Montgomery County homeowners

See the top seven reasons TX homeowners need Gonzalez Appraisal Company:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a TX property tax assessment
  3. Remove PMI to lower a mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a TX divorce, when real estate needs to be divided
  7. To settle an estate in Montgomery county or TX by determining the true market value of real estate in question

Own a house in or near Houston, TX and need help determining the value of it?
Contact Gonzalez Appraisal Company.

At Gonzalez Appraisal Company, we understand the unique needs of a customer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Gonzalez Appraisal Company, 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 selling price so your property will attract buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is getting 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 the lender to have the PMI removed from your loan. Gonzalez Appraisal Company is experienced in helping clients just like you dismiss unneeded and unwanted PMI insurance.

Challenge Montgomery county's assessment of your property

Lets 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 probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An appraisal report from Gonzalez Appraisal Company is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Gonzalez Appraisal Company can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for verity, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. Or, if you're 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.

Need a retrospective review of an appraisal? We can help you with that While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.