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

The top seven reasons TX homeowners call on Carr & Associates:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. To challenge a TX property tax assessment
  3. Remove PMI to lower their mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. To settle an estate in TX by determining the true market value of property in question

Do you own a house in or near San Angelo? Do you need help deciding the value of your real estate?
Contact Carr & Associates.

We at Carr & Associates understand the unique needs of a consumer seeking appraisal services. Our typical business clients are used to the appraisal process and the customary "products" we deliver to them. Being a regular homeowner that most likely doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Carr & Associates, are objective. We 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 home will attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, 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. Carr & Associates is qualified in helping people just like you delete unwanted and unneeded PMI insurance.

Challenge Tom Green county's assessment of your property

Lets say your house is not appreciating as much as other houses close to yours -- your local tax assessor may have your home overvalued. That only 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 earlier you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting an expert appraisal from Carr & Associates is your best weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Carr & Associates can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for accuracy? An appraiser from Carr & Associates can go out and check the subject and comparables in question in a field review. Or, if you're in a hurry, we can provide 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 report? We can help with that too. While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.