Attention homeowners in Boerne and Kendall County: Need an appraisal?

Here are the top reasons TX homeowners use Otniel Gross:

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

Own a house in or near Boerne, TX and need help deciding the price of it?
Contact Otniel Gross.

We at Otniel Gross understand the individual needs of a consumer in need of appraisal services. Our customary business clients understand the appraisal process and the standard documents we provide. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

Pre-listing Services/For Sale By Owner (FSBO)

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Otniel Gross, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable 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. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value opinion than yours.

Need to remove PMI?

A preferred 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 property. In most cases you can apply to your lender to have the PMI canceled from your loan. We are veterans in helping people just like you abolish unnecessary PMI insurance.

Challenging a property tax assessment

Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. This means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An appraisal report from Otniel Gross is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is in 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. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. Otniel Gross can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for verity, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Otniel Gross offers field reviews where we'll go out and check the subject and comps. Or, if you need it ASAP, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can help you with that While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.