Attention homeowners in Belton and Bell County: Need an appraisal?

See the top seven reasons TX homeowners need Big Hat Realty & Valuations:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To reduce your monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a TX divorce, where property needs to be divided
  7. Determine the true market value of property in question to settle an estate in Bell county or TX

Do you own a home in or near Belton? Do you need help determining the price of your real estate?
Contact Big Hat Realty & Valuations.

We at Big Hat Realty & Valuations understand the unique needs of a customer in need of appraisal services. Our regular business clients understand the appraisal process and the customary "products" we deliver to them. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Big Hat Realty & Valuations, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is 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 you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.

Need to cancel PMI?

A preferred money saver for homeowners is getting the PMI canceled 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 is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. Big Hat Realty & Valuations is qualified in helping folks just like you get rid of unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a local area that's declining. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. A professional appraisal from Big Hat Realty & Valuations is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is in a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow point of view. Big Hat Realty & Valuations can provide you with efficient appraisal to help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for preciseness? Big Hat Realty & Valuations offers field reviews where we'll go out and check the subject and comparables. If you need it immediately, we'll provide 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 done before. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.