Real estate appraisal services for homeowners in the city of Houston and Harris County

Here are the top seven reasons TX homeowners need William Pham:

  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. To cut a mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a TX divorce, when real estate needs to be divided
  7. Settle an estate in TX by determining the true market value of property in question

Need help deciding the value of your house in or near Houston, TX?
Contact William Pham.

We at William Pham understand the special needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a consumer,you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at William Pham are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. 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 many interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value report than yours.

PMI Removal Appraisals

A popular way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At William Pham, we're experienced in helping customers just like you get rid of undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is going down or not appreciating as much as other properties close to yours. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting an appraisal report from William Pham is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

If your home is in a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. William Pham can help you reinstate your home equity line of credit with efficient appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from William Pham can go out and check the subject and comps in question in a field review. If you need it in a rush, we'll 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? William Pham can help you with that. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.