Why you should hire an appraiserThousands of people in Texas buy, sell or refinance their home every year. Many of these transactions involve a simple line item for an appraisal. The majority of lenders still call for a local expert because the stakes are so high, even though there are a budding number of automated home valuation systems that may appear to be cheaper than an appraisal. You might think that obtaining a mortgage is the only basis for getting an appraisal, but there are additional cases when the services of a certified, independent real estate professional could come in handy. 
Dispute your tax assessment in Montgomery CountyIt's likely you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are determined by a past assessment of your house, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Gonzalez Appraisal Company is your best evidence when building your case. We can assist you in challenging your tax assessment. Removing PMI for mortgage paymentsWhen the amount being loaned to the home owneris more than 80% of the actual value of the property, many lenders ask homeowners to purchase this added insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met. Gonzalez Appraisal Company will produce a statement regarding the value of your home, and the cost of the home valuation can usually be regained in a short amount of time because you'll no longer be paying the PMI. Order an appraisal from Gonzalez Appraisal Company Order todayGet a clear valuation on a home take make a divorce settlement less stressfulA divorce can be an especially daunting event for both parties, and it is often even more complicated by the burdensome decision of who keeps the home. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from Gonzalez Appraisal Company, regardless of the situation. If the parties wish to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Fair and accurate estate liquidationThe loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion. Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal. Move to or from Montgomery County through an employee relocation programWe know the headaches involved with an employee relocation. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, as well as information about any new sales or listings in their neighborhood that they want considered during our detailed inspection. Close on your home quickly — at the right priceA professional appraisal will help you make a better educated decision regarding your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal report. We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesstay on the market. So, obtaining a professional appraisal is a reliable way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time. 
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