Need an appraisal in Hitchcock or Galveston County?

The top seven reasons why TX homeowners hire Pamala Cagle:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce their mortgage payment
  4. Reinstate your 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 determine the true market value of real estate in question to settle an estate in Galveston county or TX

Do you own a home in or near Hitchcock? Do you need help determining the price of your real estate?
Contact Pamala Cagle.

At Pamala Cagle, we understand the particular needs of a consumer in need of appraisal services. While our typical business 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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Pamala Cagle 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 a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to cancel PMI?

An attractive way to cut expenses for homeowners is to get the PMI canceled 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 less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. We are experts in helping customers just like you rid themselves of unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down or is not appreciating as much as other homes close to yours. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When challenging your property tax assessment, getting a professional appraisal from Pamala Cagle is your best weapon.

Recently got a freeze your HELOC?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Pamala Cagle can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for efficiency, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you're in a rush, 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? We can help you with that While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.