Attention homeowners in Kilgore and Gregg County: Need an appraisal?

Here are the top seven reasons why TX homeowners use Smallwood Appraisal Services:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge Gregg county's assessment of your propertyvalue
  3. Remove PMI to cut a mortgage payments
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

Own a home in or near Kilgore, TX and need help determining the value of it?
Contact Smallwood Appraisal Services.

At Smallwood Appraisal Services, we understand the special needs of a homeowner after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Smallwood Appraisal Services, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think 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 an accomplished appraiser's value opinion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are veterans in helping folks just like you remove unneeded and unwanted PMI insurance.

Challenging Gregg county's assessment of your property

Lets say you live in a region that's going down -- your local tax assessor may have your house overvalued. This means you are paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Smallwood Appraisal Services is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Smallwood Appraisal Services can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for efficiency? An appraiser from Smallwood Appraisal Services can go out and check the subject and comps in a field review. Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? Smallwood Appraisal Services can We can assist you. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.