Attention homeowners: Real estate appraisal services for in Big Lake and Reagan County

The top reasons TX homeowners call on Janet Wilburn:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a TX property tax assessment
  3. To cut your monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a TX divorce, when property needs to be divided
  7. Settle an estate in TX by determining the true market value of real estate in question

Do you own a home in or near Big Lake? Do you need help deciding the price of your real estate?
Contact Janet Wilburn.

At Janet Wilburn, we understand the individual needs of a consumer seeking 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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. The professional appraisers at Janet Wilburn will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Janet Wilburn, we're qualified in helping customers just like you remove unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your house not appreciating as much as other homes nearby. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. An expert appraisal from Janet Wilburn is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender may 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. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Janet Wilburn can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you need it immediately, 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 in the past. While typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house.