Attention homeowners in Flower Mound and Denton County: Need an appraisal?

Check out the top 7 reasons TX homeowners need Gardner & Associates:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To reduce your monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate

Do you own a home in or near Flower Mound? Do you need help deciding the value of your real estate?
Contact Gardner & Associates.

We at Gardner & Associates understand the special needs of a customer seeking appraisal services. Our customary business clients understand the appraisal process and the standard reporting formats. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Gardner & Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your 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 you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value report than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is to get the PMI canceled 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 property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Gardner & Associates, we're experienced in helping folks just like you remove unwanted and unneeded PMI insurance.

Challenging Denton county's assessment of your property

Your local tax assessor may have your home overvalued if you live in an area that is going down. This means you are probably paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Gardner & Associates is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

If your property is near a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. A professional appraisal from Gardner & Associates can help you reinstate your HELOC.

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 preciseness? An appraiser from Gardner & Associates can go out and check the subject and comparables in a field review. Or, if you need it immediately, 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.

Need a retrospective review of an appraisal? We can help you with that Even though this is typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.