Why you should hire an appraiser

To a lot of people, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. And while there are a growing number of automated home valuation methods that may appear to be less expensive than an appraisal, practically all lenders still call for a local expert because the stakes are so high. Is obtaining a mortgage the only reason you should get an appraisal? Are there more situations when the services of a licensed, independent real estate professional might come in handy? You bet.

Let Appraise Colorado Inc help you lower your mortgage payment

Appeal your tax assessment

If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Appraise Colorado Inc is your best evidence when building your case. We're capable of assisting you in challenging your tax assessment.

PMI removal to lower a mortgage payment

When the amount being loaned to the buyeris more than 80% of the actual value of the property, nearly all lenders ask home owners to buy this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this added payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

Appraise Colorado Inc can give you a statement regarding the value of your home, and the price you paid for the appraisal can generally be offset in a short amount of time because you'll no longer be paying the PMI.

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Get a clear valuation on a home for divorce settlements

A divorce can be an especially horrible ordeal for both parties, and it is often even more complicated by the burdensome decision of who keeps the property. It's a good idea to get an appraisal from Appraise Colorado Inc so both parties are fully aware of the true market value of their property, regardless of the circumstances.

The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these affairs. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocate to or from Douglas County for work

We are familiar with the stress involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any recent sales or listings in their area that they want considered.

Close on your home quickly — at the right price

A professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they are based on our efforts to complete the appraisal report.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a reliable way to decide what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long properties stay on the market.

Let Appraise Colorado Inc help you sell your home quickly at the right price