Real estate appraisal services for homeowners in the city of San Antonio and Bexar County

Here are the top seven reasons Texas homeowners hire Koentopp & Associates:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to cut their monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a divorce in the state of Texas, when real estate property needs to be divided
To determine the true market value of real estate to settle an estate


	Need help deciding the price of your house in or near San Antonio, Texas? Contact Koentopp & Associates.

At Koentopp & Associates, we understand the special needs of a customer looking for appraisal services. Our usual business clients are used to the appraisal process and the customary reporting formats. Being a regular homeowner that probably doesn't look at appraisals every day, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

For Sale by Owner/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

Challenging Bexar County's assessment of your property

Let's say your house is not appreciating as much as other properties close by -- your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. 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 an appraisal from Koentopp & Associates is your strongest weapon.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan amount is below 80% of the value of your property, 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. At Koentopp & Associates, we're veterans in helping homeowners just like you get rid of unneeded and unwanted PMI insurance.

Recently got a freeze to your HELOC?

If your house is in or near a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be unsuitable from a cash flow point of view, and damaging to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Koentopp & Associates can help you reinstate your HELOC.

We Also Provide 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 an expert to double-check your appraisal for efficiency? Koentopp & Associates offers field reviews where we'll go out and check the subject and comparables. Or, if you need it immediately, 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 done before. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.