Need an appraisal in Richmond or Fort Bend County?

Here are the top seven reasons why TX homeowners need Ferguson Appraisal:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
To reduce your monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Fort Bend county or TX

Do you own a home in or near Richmond? Do you need help determining the price of your real estate?
Contact Ferguson Appraisal.

At Ferguson Appraisal, we understand the unique needs of a consumer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. As our client, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your own 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 a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value conclusion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get 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 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 seasoned in helping clients just like you do away with undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a local area that is going down. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An appraisal report from Ferguson Appraisal is your strongest weapon when challenging 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 property is close to a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Ferguson Appraisal can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have an expert double-check it for precision or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Ferguson Appraisal can go out and check the subject and comps in a field review. If you're in a rush, 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.