Attention homeowners: Real estate appraisal services for in Katy and Harris County

Check out the top reasons TX homeowners use Cold Spring Appraisals, LLC:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to cut their mortgage payments
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. In the case of a TX divorce, when property needs to be divided
  7. Settle an estate in TX by determining the true market value of property in question

Do you own a house in or near Katy? Do you need help deciding the value of your real estate?
Contact Cold Spring Appraisals, LLC.

We at Cold Spring Appraisals, LLC understand the individual needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. But as a consumer,we'll be sure you get 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/Pre-Listing Services

It's very hard to be objective about your home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value report than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. 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 removed from your loan, which will make your monthly payments go down. At Cold Spring Appraisals, LLC, we're experienced in helping consumers just like you delete unneeded PMI insurance.

Challenge Harris county's assessment of your property

Your local tax assessor may have your home overvalued if your home not appreciating as much as other properties close to yours. This only means you are paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Cold Spring Appraisals, LLC is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An appraisal from Cold Spring Appraisals, LLC can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for verity, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Cold Spring Appraisals, LLC can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? Cold Spring Appraisals, LLC can We can assist you. Even though this is usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.