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

See the top seven reasons why TX homeowners call on Hub City Appraisals :

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To lower their monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a TX divorce, where real estate needs to be divided
  7. 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 Lubbock, TX?
Contact Hub City Appraisals .

At Hub City Appraisals , we understand the particular needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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. Professional appraisers, like the ones at Hub City Appraisals , are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to cancel PMI

A popular money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Hub City Appraisals is veterans in helping people just like you rid themselves of unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses close to yours. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting an appraisal from Hub City Appraisals is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can this be disadvantageous from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Hub City Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Hub City Appraisals can go out and check the subject and comps in a field review. If you need it 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.

Do you need a retrospective review of an appraisal? Hub City Appraisals can help with that too. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.