Attention homeowners in Beaumont and Jefferson County: Get an Appraisal today!

Check out the top seven reasons why TX homeowners order from Ramey Realty Services:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a TX property tax assessment
  3. Remove PMI to reduce your mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Jefferson county or TX by determining the true market value of real estate in question

Need help deciding the value of your home in or near Beaumont, TX?
Contact Ramey Realty Services.

We at Ramey Realty Services understand the special needs of a consumer after appraisal services. Our usual business clients are used to the appraisal process and the customary "products" we deliver to them. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to 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 property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your house is worth. Potential 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 assessment than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experts in helping clients just like you remove undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in an area that's declining or is not appreciating as much as other properties close by. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an expert appraisal from Ramey Realty Services is your perfect weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. Ramey Realty Services can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for verity? In a field review we will go out and check the subject and comparables. Or, if you need it 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.

Do you need a retrospective review of an appraisal? Ramey Realty Services 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.