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Appraisal services for Brush and Morgan County homeowners
See the top seven reasons why Colorado homeowners hire Belles Appraisal Service, LLC:
- To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
- To challenge a property tax assessment in Colorado
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Remove PMI to lower a mortgage payment
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To reinstate your Home Equity Line of Credit (HELOC)
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To review another appraiser's report for verification
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If property needs to be divided because of a divorce
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To settle an estate in Morgan county or Colorado by determining the true market value of the property in question
At Belles Appraisal Service, LLC, we understand the individual needs of a consumer looking for appraisal services.
While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 (FSBO) / Pre-Listing Services
It's very hard to be objective about your own house because you most likely have an emotional attachment to it.
The professional appraisers at Belles Appraisal Service, LLC will tell you what you need to know -- not just what you want to hear. We are objective.
A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers.
It's something concrete to show your buyer.
It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth.
Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.
Challenge property tax assessments
Let's say you live in a region that's going down -- your local tax assessor may have your house overvalued.
This means you're probably paying higher taxes than you should be paying.
The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period.
An appraisal report from Belles Appraisal Service, LLC is your chief weapon when challenging your property tax assessment.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments.
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 canceled from your loan.
Belles Appraisal Service, LLC is qualified in helping customers just like you abolish unwanted PMI insurance.
HELOC recently frozen?
Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value.
This can 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.
Belles Appraisal Service, LLC can help you reinstate your HELOC.
We Provide 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 precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal?
In a field review we will go out and check the subject and comps in question.
If you need it ASAP, we'll 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.
Even though most review work is requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are wise to get a second opinion.
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