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Appraisal services for Denver and Park County homeowners
The top 7 reasons Colorado homeowners hire Deer Creek Appraisals:
- To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
- Challenge Park County's assessment of your property
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Remove PMI to cut their monthly 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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In the case of a divorce in the state of Colorado, when real estate needs to be divided
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To determine the true market value of real estate to settle an estate in Park County or the state of Colorado
At Deer Creek Appraisals, we understand the unique needs of a homeowner after appraisal services.
Our regular business clients understand the appraisal process and the customary reporting formats. As our client, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.
For Sale by Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your house because of your emotional attachment to it.
Professional appraisers, like the ones at Deer Creek Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear.
In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer.
It's something tangible to show the buyer.
An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth.
Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.
Challenging property tax assessments
Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses nearby.
This only means you are paying higher taxes than you should be paying.
The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period.
An appraisal report from Deer Creek Appraisals is your #1 weapon when contesting your property tax assessment.
Need 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.
Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down.
At Deer Creek Appraisals, we're experienced in helping people just like you remove undesirable PMI insurance.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area.
This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle.
Deer Creek Appraisals can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for precision?
We can go out and check the subject and comps in question in a field review.
Or, if you need it ASAP, we can provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.
We can also provide a retrospective review of any appraisal you may have had in the past.
Although most appraisal reviews are requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to invest in a second opinion.
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