Attention homeowners in Lubbock and Lubbock County: Need an appraisal?

Check out the top 7 reasons TX homeowners hire Chaney Appraisal Services LLC:

  1. To 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. Remove PMI to cut their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a TX divorce, where real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Lubbock county or TX

Need help determining the value of your home in or near Lubbock, TX?
Contact Chaney Appraisal Services LLC.

At Chaney Appraisal Services LLC, we understand the particular needs of a homeowner seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Chaney Appraisal Services LLC, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's price -- 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 professional appraiser's value opinion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your property, 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. At Chaney Appraisal Services LLC, we're experienced in helping folks just like you rid yourselves of undesirable PMI insurance.

Challenging Lubbock county's assessment of your property

Lets say your home is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. An expert appraisal from Chaney Appraisal Services LLC is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your property is close to a declining area, your lender just may choose 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 inopportune from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Chaney Appraisal Services LLC can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Chaney Appraisal Services LLC can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help with that too. While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.