Real estate appraisal services for homeowners in the city of Cleburne and Johnson County

Check out the top seven reasons why Texas homeowners use Larry Brightwell:

1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
2. To challenge a property tax assessment in Texas
3. Remove PMI to reduce your mortgage payments
4. To reinstate their Home Equity Line of Credit (or HELOC)
5. Review another appraiser's report for verification
6. If real estate property needs to be divided because of a divorce
7. To determine the true market value of a property to settle an estate

	Need help deciding the price of your house in or near Cleburne, Texas? Contact Larry Brightwell.

At Larry Brightwell, we understand the special needs of a homeowner in need of appraisal services. Our regular business clients are used to the appraisal process and the customary documents we provide. Being a person not in the real estate business that ordinarily doesn't look at appraisals every day, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your own house because of your 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. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's market 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 a professional appraiser's value conclusion than yours.

Challenge property tax assessments

Let's say you live in a region that is going down -- your local tax assessor may have your home overvalued. This means you are probably paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Larry Brightwell is your perfect weapon when challenging your property tax assessment.

PMI Removal Appraisals

A preferred 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". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We're seasoned in helping customers just like you get rid of unnecessary PMI insurance.

Was your HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Larry Brightwell can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for verity, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it immediately, we'll 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? Larry Brightwell can help you with that. Although most review work is commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to invest in a second opinion.