Need an appraisal in San Marcos or Hays County?

Check out the top reasons TX homeowners order from Lauren J. Lamm:

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

Own a house in or near San Marcos, TX and need help deciding the value of it?
Contact Lauren J. Lamm.

We at Lauren J. Lamm understand the unique needs of a consumer looking for appraisal services. While our typical 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/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Lauren J. Lamm, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Lauren J. Lamm, we're veterans in helping consumers just like you rid themselves of unneeded PMI insurance.

Challenging Hays county's assessment of your property

Lets say you live in a region that is declining -- your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Lauren J. Lamm is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. Lauren J. Lamm can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense 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 will go out and check the subject and comps in question. If you're in a rush, 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.

We can also provide a retrospective review of any appraisal you may have had done before. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.