Attention homeowners: Real estate appraisal services for in Telluride and San Miguel County
The top seven reasons CO homeowners hire San Miguel Appraisal, Inc:
Need help deciding the value of your house in or near Telluride, CO?
We at San Miguel Appraisal, Inc understand the special needs of a customer after appraisal services. Our customary business clients are used to the appraisal process and the usual documents we provide. Being a regular person not in the real estate field that probably doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value estimation than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. We are experienced in helping homeowners just like you get rid of unwanted PMI insurance.
Challenge a property tax assessment
Lets say you live in a region that's going down -- your local tax assessor may have your house overvalued. This only 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 sooner you take care of a matter like this, the better. When challenging your property tax assessment, getting a professional appraisal from San Miguel Appraisal, Inc is your best weapon.
Was your HELOC recently frozen?
If your home is in a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from San Miguel Appraisal, Inc can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for verity? In a field review we will go out and check the subject and comps. If you're in a hurry, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
Do you need a retrospective review of an appraisal? San Miguel Appraisal, Inc can We can assist you. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.