Real estate appraisal services for homeowners in the city of El Paso and El Paso County

Here are the top 7 reasons why Texas homeowners use Integrity Appraisal Services:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower your mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in El Paso county or Texas by determining the true market value of the real estate in question


	Need help determining the price of your house in or near El Paso, Texas? Contact Integrity Appraisal Services.

At Integrity Appraisal Services, we understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. Being a regular consumer that most likely doesn't see an appraisal on a regular basis, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Integrity Appraisal Services 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 attainable buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.

Challenge El Paso County's assessment of your property

Let's say you live in a region that's declining -- your local tax assessor may have your home overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When challenging your property tax assessment, getting an expert appraisal from Integrity Appraisal Services is your perfect weapon.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you rid themselves of undesirable PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. Not only can this be inopportune from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Integrity Appraisal Services can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for verity, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Integrity Appraisal Services offers field reviews where we go out and check the subject and comparables. Or, if you need it ASAP, 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 retrospective review of any appraisal report you may have had in the past. Although most review work is requested by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.