Appraisal services for Corpus Christi and Nueces County homeowners

See the top reasons TX homeowners hire David Kozowski:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
Remove PMI to cut their mortgage payments
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Nueces County or the state of TX

Own a home in or near Corpus Christi, TX and need help deciding the price of it?
Contact David Kozowski.

At David Kozowski, we understand the individual needs of a homeowner seeking 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 own home, it's often very hard to be objective about it. Our professional appraisers at David Kozowski are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experts in helping homeowners just like you get rid of unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your home not appreciating as much as other homes nearby. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. An appraisal from David Kozowski is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. David Kozowski can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for accuracy? We can go out and check the subject and comparables in a field review. If you need it in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.