Attention homeowners in Houston and Harris County: Get an Appraisal today!

Here are the top seven reasons Texas homeowners call on MCA Inc.:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To cut a monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a divorce in the state of Texas, when real estate needs to be divided
To settle an estate in Harris county or Texas by determining the true market value of the property in question


	Do you own a home in or near Houston? Do you need help deciding the value of your real estate? Contact MCA Inc..

We at MCA Inc. understand the individual needs of a customer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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

It's very hard to be objective about your home because of your emotional attachment to it. Our professional appraisers at MCA Inc. 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 a likely buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

Challenging Harris County's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that's declining. That 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 faster you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from MCA Inc. is your strongest weapon.

Appraisals to remove PMI

A fashionable way to cut expenses for homeowners is to get 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 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. We're veterans in helping people just like you rid themselves of unneeded PMI insurance.

HELOC recently frozen?

If your house is in or near a declining area, your lender may just decide 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 difficult from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. MCA Inc. can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for efficiency? An appraiser from MCA Inc. can go out and check the subject and comps in question 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? We can help with that too. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.