Real estate appraisal services for homeowners in the city of Lumberton and Hardin County

Here are the top 7 reasons why TX homeowners use J & J Appraisals:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to lower a mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in TX by determining the true market value of property in question

Need help determining the value of your house in or near Lumberton, TX?
Contact J & J Appraisals.

At J & J Appraisals, we understand the special needs of a consumer seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at J & J Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At J & J Appraisals, we're seasoned in helping folks just like you dismiss undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that is going down. That only means you are probably paying more taxes than you should. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from J & J Appraisals is your #1 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 just decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. J & J Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you desire a second opinion without the added 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. 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.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.