Need an appraisal in Hot Springs or Garland County?

Here are the top reasons AR homeowners call on Harris Appraisals:

Find the right listing price (whether you're using an agent or selling the home on your own)
To challenge a AR property tax assessment
To reduce your monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Own a home in or near Hot Springs, AR and need help determining the value of it?
Contact Harris Appraisals.

We at Harris Appraisals understand the individual needs of a customer looking for appraisal services. Our customary business clients understand the appraisal process and the standard "products" we deliver to them. As our non-traditionalclient, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Harris Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Harris Appraisals, we're veterans in helping customers just like you get rid of unneeded PMI insurance.

Challenge Tax Assessment

If you live in a local area that is going down or not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. This means you're most likely paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Harris Appraisals is your #1 weapon.

HELOC recently frozen?

If your home is close to a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be troublesome from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Harris Appraisals can provide you with a professional appraisal to help you reinstate your HELOC.

Need 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 desire an expert to double-check your appraisal for preciseness? An appraiser from Harris Appraisals can go out and check the subject and comps in question 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.

Need a retrospective review of an appraisal? We can help you with that While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.