Reasons to order an appraisal from Appraise Colorado Inc

Thousands of people in Colorado purchase, sell or refinance their home each year. A lot of these transactions contain a simple line item for an appraisal. The majority of lenders still want a local expert because the stakes are so high, even though there are a budding number of automated home valuation methods that may seem more practical than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there also times when the services of a licensed, independent real estate professional could be helpful? You bet.

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Contest your tax assessment in Adams County

It's quite possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a past assessment of your home, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Appraise Colorado Inc is your best evidence when building your case. At Appraise Colorado Inc, we're equipped to assist you in appealing your tax assessment.

Removing PMI for mortgage payments

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that nearly all lenders ask homebuyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the property. This added payment is often lumped into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Appraise Colorado Inc will give you a statement regarding the value of your home, and the cost of the appraisal can often be recovered in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is often complicated by the strenuous decision of who gets the house, and it can be a particularly horrible ordeal for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Appraise Colorado Inc so both parties are completely aware of the true market value of their home.

If the parties want to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Determine a fair and accurate valuation for 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocate to or from Adams County for work

We are aware of the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide feedback on the positive attributes of their property, along with information regarding any new sales or listings in their area that they want considered.

Close on your home quickly — for an accurate price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they rest on our efforts to finish the appraisal report.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted way to determine what improvements will add value and what an appropriate 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 assist you in selling your home quickly at the right price