Attention homeowners in Hotchkiss and Delta County: Need an appraisal?

The top 7 reasons Colorado homeowners need Colorado West Appraisals:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower their monthly mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Colorado, when property needs to be divided
Determine the true market value of the real estate in question to settle an estate in Delta county or Colorado


	Need help deciding the price of your house in or near Hotchkiss, Colorado? Contact Colorado West Appraisals.

At Colorado West Appraisals, we understand the unique needs of a customer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. Being a person not in the real estate industry that probably doesn't see an appraisal every day, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

For Sale by Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties close by. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an appraisal report from Colorado West Appraisals is your number one weapon when contesting your property tax assessment.

Appraisals to remove PMI

A fashionable 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". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're veterans in helping clients just like you rid themselves of unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Colorado West Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would prefer to have a professional double-check it for efficiency or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Colorado West Appraisals can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, we can provide desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide you with a retrospective review of any appraisal you may have had in the past. Although most review work is requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.