Need an appraisal in Hearne or Robertson County?

Check out the top seven reasons TX homeowners hire White & Associates:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a TX property tax assessment
Remove PMI to lower their monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in Robertson county or TX

Own a home in or near Hearne, TX and need help deciding the price of it?
Contact White & Associates.

We at White & Associates understand the special needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your home, 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. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable money saver for homeowners. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At White & Associates, we're veterans in helping homeowners just like you rid themselves of unneeded and unwanted PMI insurance.

Challenging Robertson county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a local area that's going down. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. An appraisal report from White & Associates is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your property is close to a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable 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 point of view. White & Associates can provide you with efficient appraisal to help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the added expense 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 a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.