Attention homeowners in Cleveland and Liberty County: Need an appraisal?

The top seven reasons why TX homeowners need Pate & Kerth Appraisal Associates:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
To challenge a TX property tax assessment
To reduce your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a TX divorce, where real estate needs to be divided
To settle an estate in Liberty county or TX by determining the true market value of real estate in question

Own a house in or near Cleveland, TX and need help deciding the price of it?
Contact Pate & Kerth Appraisal Associates.

We at Pate & Kerth Appraisal Associates understand the particular needs of a homeowner seeking appraisal services. While our usual 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. 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 crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value report than yours.

PMI Removal Appraisals

A fashionable way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down 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, which will make your monthly payments go down. At Pate & Kerth Appraisal Associates, we're veterans in helping people just like you dismiss undesirable PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other houses close to yours. That only means you're paying more taxes than you should. The faster 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 an appraisal from Pate & Kerth Appraisal Associates is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be difficult and inconvenient from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Pate & Kerth Appraisal Associates can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? Pate & Kerth Appraisal Associates offers field reviews where we'll go out and check the subject and comparables. Or, if you need it immediately, 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 We can assist you Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.