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

The top seven reasons why TX homeowners use Michael Kubosh:

  1. Pre-listing appraisals (whether they're selling the home themselves or using an agent)
  2. Challenge Harris county's assessment of your propertyvalue
  3. Remove PMI to reduce their mortgage payments
  4. Reinstate your 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

Do you own a home in or near Katy? Do you need help determining the price of your real estate?
Contact Michael Kubosh.

We at Michael Kubosh understand the special needs of a consumer seeking appraisal services. While our typical 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. Our professional appraisers at Michael Kubosh are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to save money for homeowners. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are seasoned in helping clients just like you do away with undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other properties close by. This means you're most likely paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Michael Kubosh is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

If your home is in or near a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Michael Kubosh can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Michael Kubosh can go out and check the subject and comps in a field review. Or, if you need it ASAP, 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.

Do you need a retrospective review of an appraisal report? Michael Kubosh can We can assist you. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your home.