Appraisal services for Hot Springs Village and Desoto County homeowners

The top reasons AR homeowners call on T Ramos Appraisal Services:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To cut your monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in AR by determining the true market value of real estate in question

Need help deciding the price of your house in or near Hot Springs Village, AR?
Contact T Ramos Appraisal Services.

We at T Ramos Appraisal Services understand the particular needs of a consumer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. We're seasoned in helping homeowners just like you get rid of undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties close to yours. This means you are probably 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 things like this, the better. When challenging your property tax assessment, getting an appraisal from T Ramos Appraisal Services is your strongest weapon.

Recently got a freeze your HELOC?

If your home is close to a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. T Ramos Appraisal Services can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for preciseness, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it in a rush, we can provide 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 with that too. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your home.