Attention homeowners: Real estate appraisal services for in Lubbock and Lubbock County

Here are the top seven reasons why Texas homeowners use Temple Realty:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower your mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a divorce in the state of Texas, when real estate property needs to be divided
To determine the true market value of real estate to settle an estate


	Own a home in or near Lubbock, Texas and need help deciding the price of it? Contact Temple Realty.

At Temple Realty, we understand the individual needs of a homeowner after 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.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. The professional appraisers at Temple Realty will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value report than yours.

Challenge a property tax assessment

Let's say your home is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. Getting a professional appraisal from Temple Realty is your strongest weapon when contesting your property tax assessment.

Appraisals to remove PMI

An attractive money saver for homeowners is getting 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 house, 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 clients just like you delete unwanted PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be troublesome from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Temple Realty can provide you with a professional appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you're 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.

Do you need a retrospective review of an appraisal? Temple Realty can help you with that. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your home.