Attention homeowners in Lubbock and Lubbock County: Get an Appraisal today!

The top 7 reasons why Texas homeowners order from Temple Realty:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To lower your mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of real estate to settle an estate in Lubbock County or the state of Texas


	Do you own a home in or near Lubbock? Do you need help deciding the value of your real estate? Contact Temple Realty.

At Temple Realty, we understand the special needs of a consumer looking for appraisal services. While our usual business 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.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Temple Realty are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value assessment than yours.

Challenging property tax assessments

If you live in an area that is going down or not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. When challenging your property tax assessment, getting an expert appraisal from Temple Realty is your strongest weapon.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are qualified in helping customers just like you delete unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

If your house is in or near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Temple Realty can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for verity, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Temple Realty 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 you with a 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? We can assist you. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.