Article in development
Appraisal vs. CMA: What North Texas Homeowners Need to Know
How an appraisal differs from a comparative market analysis, and when each one is appropriate.
Texas Certified Residential Appraiser · North Texas
North Texas Residential Appraisal Guidance
Clear, independent information for homeowners, families, attorneys, real-estate professionals and lenders navigating important property decisions.
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What brings you here?
Choose the situation closest to yours. Each page explains the scope of the assignment and what to expect.
Private Appraisal
An independent opinion of value for homeowners and their advisors, prepared outside of a lender-ordered transaction.
Divorce or Property Division
A neutral, independent valuation of the marital residence to support property-division discussions.
Estate, Probate or Inheritance
Written valuations to help executors, administrators and families account for residential real property.
Date-of-Death Valuation
Retrospective appraisals that develop an opinion of value as of a prior date rather than today.
Property Tax Protest
An independent opinion of value a homeowner may choose to present when protesting an assessed value.
Preparing to Sell / FSBO
An independent opinion of value for owners deciding how to price a home, with or without an agent.
Square-Footage Questions
Measurement and a floor sketch documenting a home's gross living area using ANSI measuring standards.
Lending or AMC Assignment
Residential appraisal assignments, including eligible residential FHA appraisals, for lending clients and appraisal management companies across North Texas.
Why this matters
Clear answers for important decisions
Residential appraisal needs often arise during significant financial, legal or family circumstances — a divorce, an estate, a tax protest, a decision about selling a long-held home.
I provide independent residential valuation services along with educational guidance so you can understand the process before you commit to it. Knowing what an appraisal is, how the effective date works and who the report is prepared for makes the whole experience less stressful.
My role is to develop a supportable opinion of value for a stated intended use. I do not advocate for a party, I do not work toward a predetermined number, and my fee is never tied to the result.
About
Meet Stefanie DeLaGarza
I own Loreal Valuations, an independent residential appraisal practice serving North Texas. I am a Texas Certified Residential Appraiser (License TX 1360370-CR) and an FHA Certified Appraiser with more than 14 years of residential valuation experience, and I complete eligible residential FHA appraisals.
Much of my work involves families and advisors handling sensitive matters, so I try to keep communication straightforward: what I can do, what I cannot do, what the assignment will cost and when you can expect the report.
Resource library
Explore appraisal guidance
These articles are in preparation. Each will explain one part of the residential appraisal process in plain language.
Article in development
What Happens During a Residential Appraisal Inspection?
A walk through what I look at, what I measure and how long a visit usually takes.
Article in development
When Do You Need a Private Residential Appraisal?
Common situations where an owner orders an appraisal directly rather than a lender.
Article in development
Understanding Divorce Appraisals in Texas
What a neutral appraisal covers in a property-division matter, and what it does not.
Article in development
What Is a Retrospective Date-of-Death Appraisal?
Why the effective date matters and what documentation supports a retrospective value.
Article in development
Why Your Home's Square Footage May Differ From County Records
How ANSI measuring standards work and why records and reality often disagree.
Coverage
A 15-county North Texas market area
Serving residential clients, lenders and appraisal management companies across a 15-county North Texas market area, including Dallas, Fort Worth, Plano, Frisco, McKinney, Denton, Sherman, Denison, Greenville, Weatherford, Waxahachie, Granbury and surrounding communities.
15 counties servedSurrounding North Texas counties
Assignment availability depends on the property, intended use, timing and the appraiser's geographic competency for the specific market.
Need an independent residential appraisal?
Tell Stefanie about the property and the intended use. She will review the request and respond with any additional questions, availability and a personalized fee quote.
Request a Quote