Need an appraisal in Katy or Harris County?

Check out the top 7 reasons TX homeowners call on Texas O.C.S.:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a TX property tax assessment
To reduce a monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
To settle an estate in TX by determining the true market value of real estate in question

Own a home in or near Katy, TX and need help determining the value of it?
Contact Texas O.C.S..

We at Texas O.C.S. understand the unique needs of a customer looking for appraisal services. While our typical 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 home, it's often very hard to be objective about it. Our professional appraisers at Texas O.C.S. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

PMI Removal Appraisals

An attractive way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. Texas O.C.S. is qualified in helping customers just like you remove unneeded PMI insurance.

Challenging Harris county's assessment of your property

If you live in a local area that is going down or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Texas O.C.S. is your perfect weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be troublesome from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Texas O.C.S. can provide you with a professional appraisal that will help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for precision? In a field review we will go out and check the subject and comps in question. Or, if you're in a rush, 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 you with a a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.