Appraisal services for Denver and Jefferson County homeowners
See the top seven reasons why CO homeowners call on Deer Creek Appraisals:
Do you own a house in or near Denver? Do you need help deciding the value of your real estate?
We at Deer Creek Appraisals understand the individual needs of a homeowner after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. As our client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Deer Creek Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We are qualified in helping homeowners just like you rid yourselves of unwanted and unneeded PMI insurance.
Challenging a property tax assessment
Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This means you're 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 things like this, the better off you'll be. An appraisal from Deer Creek Appraisals is your best weapon when contesting your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. Not only can this be troublesome from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Deer Creek Appraisals can provide you with an expert appraisal that will help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for preciseness, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Deer Creek Appraisals can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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.
Need a retrospective review of an appraisal? We can help you with that While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.