Appraisal services for Covington and Saint Tammany County homeowners

See the top 7 reasons LA homeowners hire Hartzog & Associates (985) 630-5499:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to cut a mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a LA divorce, when real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate

Do you own a home in or near Covington? Do you need help deciding the value of your real estate?
Contact Hartzog & Associates (985) 630-5499.

At Hartzog & Associates (985) 630-5499, we understand the unique needs of a consumer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. As our client, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

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

It's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at Hartzog & Associates (985) 630-5499 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 potential buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experts in helping consumers just like you remove unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say you live in a region that's going down -- your local tax assessor may have your home overvalued. This means you're paying 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. Getting an appraisal report from Hartzog & Associates (985) 630-5499 is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. Hartzog & Associates (985) 630-5499 can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for efficiency? An appraiser from Hartzog & Associates (985) 630-5499 can go out and check the subject and comparables in a field review. 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.

We can also provide a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.