Real estate appraisal services for homeowners in the city of Conroe and Montgomery County

The top 7 reasons why TX homeowners call on Whitney & Associates:

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge a property tax assessment
Remove PMI to reduce a monthly mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a TX divorce, when property needs to be divided
To settle an estate in TX by determining the true market value of property in question

Do you own a home in or near Conroe? Do you need help determining the price of your real estate?
Contact Whitney & Associates.

We at Whitney & Associates understand the individual needs of a homeowner after appraisal services. Our typical business clients get the appraisal process and the usual "products" we deliver to them. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Whitney & Associates, are objective. We 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 likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a professional 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 getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. We are experts in helping people just like you abolish undesirable PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in an area that's declining. That only means you're paying more taxes than you should. The faster 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. When challenging your property tax assessment, getting an appraisal from Whitney & Associates is your chief weapon.

HELOC recently frozen?

If your home is in a declining area, your lender might just make the decision 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 angle, and harmful to your credit score since it may appear as though that credit line is maxed out. Whitney & Associates can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for efficiency, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Whitney & Associates offers field reviews where we'll go out and check the subject and comps. Or, if you're in a hurry, we can provide 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? Whitney & Associates can help with that too. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.