Let Appraise Colorado Inc take care of your appraisal needs
Year after year, thousands of people in Colorado purchase, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. Almost all lenders still call for a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation systems that may appear more economical than an appraisal. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are more situations when the services of a licensed, independent real estate professional could come in handy.
Appeal your tax assessment in Arapahoe County
It's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your home, so if values have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in disputing your tax assessment.
Eliminating PMI for mortgage payments
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask homeowners to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This additional payment is often bundled into the monthly mortgage payment and is promptly forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to get rid of PMI, Appraise Colorado Inc can provide you with a statement regarding the value of your home. The price you paid for the home valuation can usually be regained in just a few months because you'll no longer be paying the PMI.
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Settle a divorce with less stress
A divorce is a very daunting ordeal for the parties involved, and it is often more complicated by the difficult decision of who gets the house. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from Appraise Colorado Inc, regardless of the circumstances.
The parties will have a a good idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten 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 entails an appraisal to establish Fair Market Value for the real estate involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to manage these issues. And since a home or other property often makes up an uneven share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Relocate to or from Arapahoe County through an employee relocation program
We are familiar with the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, as well as information about any recent sales or listings in their area that they want considered during our thorough inspection.
Close on your home promptly — at an accurate price
A professional appraisal can help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or use the assistance 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 a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal report.
On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to decide what improvements will add value and what a suitable 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 houses stay on the market.