Attention homeowners in Waco and McLennan County: Get an Appraisal today!

See the top 7 reasons why TX homeowners use Harrell Appraisal Services:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To cut a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a TX divorce, when real estate needs to be divided
Determine the true market value of real estate in question to settle an estate in McLennan county or TX

Need help deciding the price of your home in or near Waco, TX?
Contact Harrell Appraisal Services.

At Harrell Appraisal Services, we understand the special needs of a homeowner after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services

It's very hard to be objective about your home because you most likely have an emotional attachment to 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 price to sell at so your house will attract buyers, a professional appraisal is a crucial 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 house's value, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping people just like you do away with unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is going down or not appreciating as much as other homes close by. This only means you are most likely paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Harrell Appraisal Services is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. Harrell Appraisal Services can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would prefer to have a seasoned expert double-check it for accuracy or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Harrell Appraisal Services can go out and check the subject and comparables in a field review. If you need it immediately, we'll 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? Harrell Appraisal Services can We can assist you. Even though this is typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.