Real estate appraisal services for homeowners in the city of Stephenville and Erath County

The top reasons TX homeowners call on David Clayton Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To cut their monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a TX divorce, where real estate property needs to be divided
  7. To settle an estate in Erath county or TX by determining the true market value of real estate in question

Do you own a house in or near Stephenville? Do you need help determining the value of your real estate?
Contact David Clayton Appraisals.

We at David Clayton Appraisals understand the particular needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. As our valued client, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at David Clayton Appraisals, will be objective. We will 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 potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value report than yours.

PMI Removal Appraisals

A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At David Clayton Appraisals, we're seasoned in helping customers just like you remove unwanted and unneeded PMI insurance.

Challenge Erath county's assessment of your property

Lets say you live in an area that's going down -- your local tax assessor may have your home overvalued. That only means you are probably paying 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 off you'll be. When challenging your property tax assessment, getting a professional appraisal from David Clayton Appraisals is your perfect weapon.

Was your HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. David Clayton Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for precision, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? David Clayton Appraisals offers field reviews where we go out and check the subject and comparables. If you're in a hurry, we'll 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 typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.