Attention homeowners in Hemphill and Sabine County: Need an appraisal?

The top 7 reasons why TX homeowners use Stephen Crowell:

Pre-listing appraisals (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)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in TX

Need help determining the value of your home in or near Hemphill, TX?
Contact Stephen Crowell.

At Stephen Crowell, we understand the individual needs of a homeowner seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Stephen Crowell, are objective. We 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 house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested 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 know that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. At Stephen Crowell, we're seasoned in helping customers just like you get rid of unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is going down. That only means you are paying more taxes than you should. 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. When contesting your property tax assessment, getting a professional appraisal from Stephen Crowell is your strongest weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. Stephen Crowell can help you reinstate your home equity line of credit with efficient appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it in a rush, we'll 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 usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.