Attention homeowners in Cypress and Harris County: Need an appraisal?

See the top 7 reasons TX homeowners call on Todd Davis Appraisals:

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

Do you own a house in or near Cypress? Do you need help deciding the price of your real estate?
Contact Todd Davis Appraisals.

At Todd Davis Appraisals, we understand the particular needs of a customer seeking 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 (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to 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 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. It's something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value opinion than yours.

Appraisals to remove PMI

A popular 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 is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experts in helping homeowners just like you remove unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that's declining or not appreciating as much as other houses close to yours. This only 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 quicker you take care of things like this, the better. An expert appraisal from Todd Davis Appraisals is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. An efficient appraisal from Todd Davis Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would wish to have a seasoned professional double-check it for accuracy or do you need a second opinion without the charge 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 you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal report you may have had done before. Even though this is typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.