Let Accuracy Matters Appraisals attend to your appraisal needs
Each year, thousands of people in Colorado purchase, sell or refinance their home. Many of these transactions contain a simple line item for an appraisal. And while there are a developing number of automated home valuation methods that may appear less expensive than an appraisal, most lenders still want a local expert because the stakes are very high. You might think that obtaining a mortgage is the only basis for getting an appraisal, but there are more instances when the services of a licensed, independent real estate professional might come in handy.
Contest your tax assessment in Rio Grande County
If you are in an area where the property value has declined, it's possible you're paying too much in property taxes. An appraisal from Accuracy Matters Appraisals is your best evidence when building your case. We're qualified to assist you in appealing your tax assessment.
Remove PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an extra insurance plan that most lenders ask homeowners to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Oftentimes, this extra payment is lumped into the monthly mortgage payment and is soon forgotten. This is bad because PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Accuracy Matters Appraisals can produce a statement regarding the value of your home. The cost of the home valuation can usually be recovered 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 gets the house, and it can be an especially horrible event for both parties. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from Accuracy Matters Appraisals, regardless of the circumstances.
If the parties wish to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Fair and accurate estate liquidation
Losing a loved one is a difficult 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 highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans do not have dedicated estate planners or executors to take care of these affairs, unlike wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Relocate to or from Rio Grande County through an employee relocation program
We are aware of the stress associated with an employee relocation. We take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, as well as information regarding any recent sales or listings in their area that they want considered during our intensive inspection.
Close on your home quickly — for an accurate price
A professional appraisal will help you make a better educated decision when determining your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.
On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long properties are one the market.