Attention homeowners in Midland and Midland County: Need an appraisal?

The top seven reasons TX homeowners need Sarah Kate Dufford:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge Midland county's assessment of your property
To cut their mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
Settle an estate in TX by determining the true market value of real estate in question

Need help deciding the value of your home in or near Midland, TX?
Contact Sarah Kate Dufford.

At Sarah Kate Dufford, we understand the particular needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and accountants. As our non-traditionalclient, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

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

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Sarah Kate Dufford, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to cancel PMI

A popular way to cut expenses for homeowners is to get 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 property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Sarah Kate Dufford, we're seasoned in helping homeowners just like you remove unwanted and unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that's going down. That only means you are going to pay more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Sarah Kate Dufford is your strongest weapon.

Recently got a freeze your HELOC?

If your property is near a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. An expert appraisal from Sarah Kate Dufford can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for preciseness, or do you need a second opinion without the charge 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 ASAP, we can provide 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? Sarah Kate Dufford can We can assist you. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.