Attention homeowners in Northeastern Colorado: Get an Appraisal today!
Check out the top 7 reasons why CO homeowners call on O'Neil & Company Appraisal Service:
Need help determining the value of your house in Northeastern Colorado?
At O'Neil & Company Appraisal Service, we understand the particular needs of a customer seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. Being a regular person not in the real estate field that most likely doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at O'Neil & Company Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value report than yours.
Appraisals to cancel PMI
An attractive way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. O'Neil & Company Appraisal Service is experts in helping clients just like you rid themselves of unnecessary PMI insurance.
Challenging Morgan county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a local area that's declining or not appreciating as much as other properties nearby. This only means you're paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from O'Neil & Company Appraisal Service is your chief weapon when challenging your property tax assessment.
HELOC recently frozen?
If your property is in 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 this be troublesome from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out.O'Neil & Company Appraisal Service can provide you with an expert appraisal to help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Do you need an expert 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? O'Neil & Company Appraisal Service offers field reviews where we go out and check the subject and comps in question. If you need it ASAP, 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 help with that too. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.