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

The top 7 reasons why Texas homeowners order from Hackney Appraisal Service:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a property tax assessment in Texas
  3. To reduce their mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a divorce in the state of Texas, when real estate needs to be divided
  7. To determine the true market value of a property to settle an estate
Need help deciding the value of your home in or near Lubbock, Texas? Contact Hackney Appraisal Service.

At Hackney Appraisal Service, we understand the particular needs of a homeowner seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value opinion than yours.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses close to yours. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Hackney Appraisal Service is your number one weapon.

Appraisals to remove PMI

An attractive way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. Hackney Appraisal Service is qualified in helping consumers just like you delete unnecessary PMI insurance.

Recently got a freeze to your HELOC?

If your house is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Hackney Appraisal Service can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for accuracy, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? Hackney Appraisal Service offers field reviews where we go out and check the subject and comps. Or, if you need it in a rush, 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? Hackney Appraisal Service can help you with that. Even though most review work is requested by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.