Attention homeowners in Houston and Harris County: Get an Appraisal today!

Here are the top 7 reasons why TX homeowners order from Christopher Calzavara:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a TX property tax assessment
  3. Remove PMI to lower your mortgage payments
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another 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 real estate in question

Need help determining the price of your house in or near Houston, TX?
Contact Christopher Calzavara.

We at Christopher Calzavara understand the individual 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 extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Christopher Calzavara will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value judgement than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. We're veterans in helping homeowners just like you rid themselves of unneeded and unwanted PMI insurance.

Challenging property tax assessments

Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. An appraisal report from Christopher Calzavara is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

If your home is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Christopher Calzavara can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for verity? In a field review we'll go out and check the subject and comparables. 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.

We can also provide you with a a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.