Appraisal services for Victoria and Victoria County homeowners

The top seven reasons TX homeowners use Patterson Appraisal Service:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge Victoria county's assessment of your propertyvalue
Remove PMI to lower a mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
To 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 real estate in question

Do you own a home in or near Victoria? Do you need help deciding the price of your real estate?
Contact Patterson Appraisal Service.

At Patterson Appraisal Service, we understand the individual needs of a consumer after 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 own 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 selling price so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Need to cancel PMI?

A fashionable way to cut expenses for homeowners is getting the PMI eliminated 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 less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Patterson Appraisal Service, we're veterans in helping homeowners just like you do away with unwanted and unneeded PMI insurance.

Challenge Victoria county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is declining. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An appraisal report from Patterson Appraisal Service is your chief 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 just might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be difficult and inconvenient from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Patterson Appraisal Service can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for preciseness, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. If you're in a hurry, 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 you may have had in the past. Even though this is usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.