Real estate appraisal services for homeowners in the city of Pagosa Springs and Archuleta County
Here are the top 7 reasons why CO homeowners need Ace Appraisal (970) 731-1986:
Own a home in or near Pagosa Springs, CO and need help determining the value of it?
At Ace Appraisal (970) 731-1986, we understand the special needs of a homeowner after appraisal services. Our typical business clients get the appraisal process and the usual "products" we deliver to them. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Ace Appraisal (970) 731-1986 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 house will attract buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value estimation than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. At Ace Appraisal (970) 731-1986, we're qualified in helping people just like you abolish unwanted PMI insurance.
Challenge a property tax assessment
Lets say you live in an area that's going down -- your local tax assessor may have your home overvalued. This means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an appraisal report from Ace Appraisal (970) 731-1986 is your strongest weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow point of view, and harmful to your credit score since it may appear as though that credit line is maxed out. An appraisal from Ace Appraisal (970) 731-1986 can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for efficiency, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.