Need an appraisal in Colorado?
Here are the top 7 reasons Colorado homeowners order from Michael Long:
At Creekside Appraisals, we understand the special needs of a homeowner in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale by Owner/Pre-Listing ServicesSince you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Michael Long will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.
Challenge a property tax assessmentYour local tax assessor may have your home overvalued if your home is not appreciating as much as other houses close to yours. That only means you're going to pay more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Michael Long is your perfect weapon.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experts in helping folks just like you rid themselves of undesirable PMI insurance.
HELOC recently frozen?Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Michael Long can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Do you need a seasoned professional to double-check your appraisal for preciseness, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a rush, 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.
Do you need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.