Appraisal services for Edinburg and Hidalgo County homeowners

The top reasons Texas homeowners order from Valley Appraisal Services:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut your monthly mortgage payment
  4. Reinstate your 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 real estate to settle an estate
Own a home in or near Edinburg, Texas and need help deciding the value of it? Contact Valley Appraisal Services.

We at Valley Appraisal Services understand the special needs of a homeowner in need of appraisal services. While our usual 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

Since you have an emotional attachment to your house, it's often very hard to be objective about 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 price to sell at so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.

Challenging Hidalgo County's assessment of your property

Let's say you live in a local area that is declining -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Valley Appraisal Services is your chief weapon.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. At Valley Appraisal Services, we're experienced in helping homeowners just like you delete undesirable PMI insurance.

HELOC recently frozen?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be inconvenient from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Valley Appraisal Services can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for preciseness? In a field review we'll go out and check the subject and comparables in question. 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.

We can also provide a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.