Attention homeowners in Steamboat Springs and Routt County: Need an appraisal?
Check out the top seven reasons CO homeowners need M Davies Appraisal LLC:
Do you own a home in or near Steamboat Springs? Do you need help deciding the value of your real estate?
We at M Davies Appraisal LLC understand the particular needs of a consumer looking for 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.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own house because you probably have an emotional attachment to it. The professional appraisers at M Davies Appraisal LLC 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 selling price so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value conclusion than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable 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 your lender to have the PMI removed from your loan. We're experienced in helping clients just like you delete unnecessary PMI insurance.
Challenge Routt county's assessment of your property
Your local tax assessor may have your home overvalued if you live in an area that's going down or not appreciating as much as other homes nearby. That means you are paying more taxes than you should. 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 M Davies Appraisal LLC is your perfect weapon.
Was your HELOC recently frozen?
If your home is near a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. An appraisal from M Davies Appraisal LLC can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would like to have an expert double-check it for accuracy or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? M Davies Appraisal LLC offers field reviews where we'll go out and check the subject and comps in question. If you're in a rush, we'll provide 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 report? We can We can assist you Even though this is typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.