Appraisal services for Spring and Harris County homeowners

The top seven reasons TX homeowners hire J Williams Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a TX property tax assessment
  3. Remove PMI to lower their mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a TX divorce, when property needs to be divided
  7. Settle an estate in TX by determining the true market value of real estate in question

Own a home in or near Spring, TX and need help determining the value of it?
Contact J Williams Appraisals.

At J Williams Appraisals, we understand the individual needs of a homeowner seeking appraisal services. While our usual 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.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because of your emotional attachment to it. Our professional appraisers at J Williams Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value report than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your house, 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. We are veterans in helping people just like you rid themselves of unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that's going down. This means you are paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from J Williams Appraisals is your best weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can this be difficult and inconvenient from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. J Williams Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

Need 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? J Williams Appraisals offers field reviews where we go out and check the subject and comps. Or, if you need it ASAP, 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.

We can also provide a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your property.