Appraisal services for Colorado Springs and El Paso County homeowners
The top 7 reasons why CO homeowners call on Joseph L. Davis:
Own a house in or near Colorado Springs, CO and need help determining the value of it?
We at Joseph L. Davis understand the individual needs of a customer in need of appraisal services. Our usual business clients understand the appraisal process and the usual documents we provide. Being a homeowner that most likely doesn't see an appraisal every day,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis. For-Sale-By-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your home because of your emotional attachment to it. The professional appraisers at Joseph L. Davis will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value judgement than yours. Need to remove PMI?PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI canceled 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 home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Joseph L. Davis is seasoned in helping clients just like you rid yourselves of unneeded and unwanted PMI insurance. Challenge El Paso county's assessment of your propertyIf you live in a region that is going down or is not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. This means you're probably paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Joseph L. Davis is your number one weapon when challenging your property tax assessment. Recently got a freeze your HELOC?Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Joseph L. Davis can help you reinstate your HELOC. Field and Desktop Appraisal Review ServicesDo you need a veteran appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're in a rush, 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. We can also provide you with a a retrospective review of any appraisal report you may have had in the past. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home. |