Need an appraisal in Victoria or Victoria County?

Check out the top reasons Texas homeowners order from Laura V Stehling Appraisals:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To reduce a mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a divorce in the state of Texas, where real estate needs to be divided
  7. Determine the true market value of the property in question to settle an estate
Own a home in or near Victoria, Texas and need help deciding the value of it? Contact Laura V Stehling Appraisals.

At Laura V Stehling Appraisals, we understand the unique needs of a customer 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.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Laura V Stehling Appraisals are objective. We won't just tell you what you want to hear, we'll 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 very valuable as a negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's market value, not just you saying how much you think 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 seasoned appraiser's value assessment than yours.

Challenge Victoria County's assessment of your property

If you live in a local area that is going down or not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. This only means you are probably paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Laura V Stehling Appraisals is your perfect weapon when contesting your property tax assessment.

Need to cancel PMI?

A popular money saver for homeowners is getting the PMI eliminated 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 house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We are experts in helping homeowners just like you remove unwanted PMI insurance.

HELOC recently frozen?

If your house is close to a declining area, your lender might just 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 troublesome from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Laura V Stehling Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would wish to have an expert double-check it for preciseness or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can 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 in your possession. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.