Attention homeowners in San Angelo and Tom Green County: Need an appraisal?

See the top seven reasons why TX homeowners need Carr & Associates:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to lower a monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a TX divorce, where property needs to be divided
  7. Settle an estate in TX by determining the true market value of property in question

Need help deciding the value of your house in or near San Angelo, TX?
Contact Carr & Associates.

We at Carr & Associates understand the unique needs of a consumer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/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. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping customers just like you abolish unneeded and unwanted PMI insurance.

Challenge Tax Assessment

If you live in a region that is going down or not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Carr & Associates is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender may just decide 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 this be difficult and inconvenient from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Carr & Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you need it in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? Carr & Associates can help with that too. Even though this is typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your property.