Attention homeowners: Real estate appraisal services for in Victoria and Victoria County

See the top seven reasons Texas homeowners use Patterson Appraisal Service:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To cut their mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a divorce in the state of Texas, when real estate needs to be divided
Determine the true market value of the property in question to settle an estate


	Need help deciding the value of your home in or near Victoria, Texas? Contact Patterson Appraisal Service.

We at Patterson Appraisal Service understand the special needs of a homeowner after appraisal services. Our customary business clients are used to the appraisal process and the standard documents we provide. But as a general consumer, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Patterson Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house'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 expert appraiser's value estimation than yours.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that's going down. That only means you're going to pay more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Patterson Appraisal Service is your best weapon when contesting your property tax assessment.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your house, 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're qualified in helping homeowners just like you do away with unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be troublesome from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Patterson Appraisal Service can help you reinstate your home equity line of credit with efficient appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for accuracy? An appraiser from Patterson Appraisal Service can go out and check the subject and comparables in a field review. If you're in a hurry, 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.

We can also provide you with a retrospective review of any appraisal report you may have in your possession. Even though most appraisal reviews are requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are wise to get a second opinion.