Attention homeowners in Llano and Llano County: Need an appraisal?

The top 7 reasons why TX homeowners need The Hawthorne Group:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
To challenge a TX property tax assessment
Remove PMI to cut your mortgage payments
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a TX divorce, when real estate needs to be divided
Settle an estate in TX by determining the true market value of real estate in question

Need help determining the value of your home in or near Llano, TX?
Contact The Hawthorne Group.

At The Hawthorne Group, we understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. Being a regular person not in the real estate field that most likely doesn't look at appraisals on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. The professional appraisers at The Hawthorne Group will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At The Hawthorne Group, we're experienced in helping folks just like you remove unneeded and unwanted PMI insurance.

Challenging property tax assessments

Lets say you live in a local area that is going down -- your local tax assessor may have your home overvalued. That only 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 sooner you take care of things like this, the better. An appraisal report from The Hawthorne Group is your best 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 make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be disadvantageous from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from The Hawthorne Group can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? We can go out and check the subject and comparables in a field review. Or, if you're in a hurry, we can 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. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.