Appraisal services for Texarkana and Bowie County homeowners

Here are the top seven reasons why Texas homeowners use Richey Appraisals:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
Remove PMI to cut your monthly mortgage payment
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a divorce in the state of Texas, when real estate needs to be divided
To determine the true market value of real estate to settle an estate in Bowie county or Texas


	Do you own a house in or near Texarkana? Do you need help determining the price of your real estate? Contact Richey Appraisals.

We at Richey Appraisals understand the special needs of a customer after appraisal services. Our regular business clients get the appraisal process and the usual "products" we deliver to them. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Richey Appraisals, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.

Challenge Bowie County's assessment of your property

If you live in a local area that is going down or is not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. That means you are paying more taxes than you should. 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 expert appraisal from Richey Appraisals is your #1 weapon when contesting your property tax assessment.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We're veterans in helping folks just like you delete undesirable PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be disadvantageous from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. Richey Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Richey Appraisals offers field reviews where we go out and check the subject and comps. If you need it immediately, 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? Richey Appraisals can help you with that. Although most review work is commissioned by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.