Appraisal services for Houston and Harris County homeowners

Here are the top 7 reasons TX homeowners call on J. Patrick O'Leary & Company:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce a monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in TX by determining the true market value of property in question

Own a house in or near Houston, TX and need help deciding the value of it?
Contact J. Patrick O'Leary & Company.

At J. Patrick O'Leary & Company, we understand the individual needs of a homeowner looking for appraisal services. Our usual business clients are used to the appraisal process and the standard reporting formats. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at J. Patrick O'Leary & Company are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. The 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 assume that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular money saver for homeowners. 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. At J. Patrick O'Leary & Company, we're experts in helping folks just like you remove undesirable PMI insurance.

Challenging a property tax assessment

Lets say you live in an area that's declining -- your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. An appraisal report from J. Patrick O'Leary & Company is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. A professional appraisal from J. Patrick O'Leary & Company can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for efficiency? J. Patrick O'Leary & Company offers field reviews where we'll go out and check the subject and comparables. 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? J. Patrick O'Leary & Company can We can assist you. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.