Attention homeowners: Real estate appraisal services for in Harker Heights and Bell County

Here are the top 7 reasons TX homeowners hire Cole & Associates:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
Challenge Bell county's assessment of your propertyworth
Remove PMI to reduce their monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Bell County or the state of TX

Own a house in or near Harker Heights, TX and need help deciding the value of it?
Contact Cole & Associates.

We at Cole & Associates understand the special needs of a customer 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)

Since you have an emotional attachment to your house, 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 important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to cancel PMI

A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping customers just like you dismiss unnecessary PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other homes nearby. 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 quicker you take care of things like this, the better. When contesting your property tax assessment, getting an expert appraisal from Cole & Associates is your chief weapon.

HELOC recently frozen?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow point of view. Cole & Associates can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for efficiency? Cole & Associates offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it ASAP, we can provide 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 with that too. While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.