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Why you should get an appraisal from Belles Appraisal Service, LLC

Thousands of people in Colorado purchase, sell or refinance their home each year. Most of these transactions include a simple line item for an appraisal. And even though there are a growing number of automated home valuation systems that might appear cheaper than an appraisal, almost all lenders still call for a local expert because the stakes are very high. You might assume that getting a mortgage is the only reason to acquire an appraisal, but there are more cases when the services of a licensed, independent real estate professional might be helpful.

Let Belles Appraisal Service, LLC help you lower your mortgage payment

Dispute your tax assessment in Morgan County

If you are in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in disputing your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the home buyeris more than 80% of the actual value of the real estate, most lenders ask home owners to buy this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is bad because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Belles Appraisal Service, LLC can give you a statement regarding the value of your home. The expense of the appraisal can often be offset in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce is often complicated by the burdensome decision of who maintains the home, and it can be a particularly horrible experience for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Belles Appraisal Service, LLC so both parties are entirely aware of the true market value of their house.

The parties will have a a good idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Determine a fair and accurate valuation for estate liquidation

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Move to or from Morgan County for work

Employee relocation is a stressful event, and we understand. That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information about any new sales or listings in their area that they want considered.

Sell your home promptly — at an accurate price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they depend on our efforts to finish the appraisal report.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long propertiesstay on the market. So, getting a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.

Let Belles Appraisal Service, LLC help you sell your home quickly at the right price