Attention homeowners: Real estate appraisal services for in El Campo and Wharton County

The top 7 reasons TX homeowners need ML Jones & Associates:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To cut a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
Settle an estate in TX by determining the true market value of property in question

Need help determining the price of your home in or near El Campo, TX?
Contact ML Jones & Associates.

We at ML Jones & Associates understand the individual needs of a customer 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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at ML Jones & Associates are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very important 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 concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is 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 seasoned in helping folks just like you dismiss unnecessary PMI insurance.

Challenging Wharton county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that is declining or is not appreciating as much as other properties nearby. That only means you are going to pay more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from ML Jones & Associates is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. ML Jones & Associates can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for preciseness? In a field review 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? ML Jones & Associates can We can assist you. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.