Appraisal services for Harlingen and Cameron County homeowners

The top 7 reasons TX homeowners need Hocott Appraisals:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
To reduce a mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a TX divorce, when property needs to be divided
Settle an estate in TX by determining the true market value of real estate in question

Need help deciding the value of your house in or near Harlingen, TX?
Contact Hocott Appraisals.

At Hocott Appraisals, we understand the particular needs of a consumer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

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

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Hocott Appraisals 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 buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value estimation than yours.

Appraisals to cancel PMI

A preferred way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your home, 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. We're veterans in helping customers just like you do away with undesirable PMI insurance.

Challenging property tax assessments

Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. That only means you're going to pay 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. Getting an appraisal from Hocott Appraisals is your #1 weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Hocott Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for precision? In a field review we'll go out and check the subject and comps in question. Or, if you need it in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can We can assist you While usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.