Attention homeowners in Buda and Hays County: Get an Appraisal today!

The top seven reasons TX homeowners hire M Graham Appraisal Services LLC:

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

Own a house in or near Buda, TX and need help deciding the price of it?
Contact M Graham Appraisal Services LLC.

At M Graham Appraisal Services LLC, we understand the unique needs of a customer after appraisal services. Our customary business clients understand the appraisal process and the customary reporting formats. As our valued client, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at M Graham Appraisal Services LLC will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are seasoned in helping customers just like you rid yourselves of unwanted and unneeded PMI insurance.

Challenge Tax Assessment

If you live in a region that is declining or is not appreciating as much as other properties close by, your local tax assessor may have your home overvalued. That only means you are probably paying more taxes than you should. The earlier you take care of things 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 appraisal report from M Graham Appraisal Services LLC is your strongest weapon.

HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. An appraisal from M Graham Appraisal Services LLC can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for preciseness? In a field review we will go out and check the subject and comparables. If you need it in a rush, 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 in your possession. Even though this is typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.