Sage Appraisal in Greeley perform appraisals for diverse clients

To a lot of people, an appraisal just looks like another cost on the settlement sheet for a home sale or refinance. Even though there are a developing number of automated home valuation processes that may appear to be more economical than an appraisal, almost all lenders still call in a local expert because the stakes are very high. But is securing a mortgage the only reason to get an appraisal? Are there more times when the services of a certified, independent real estate professional might come in handy? You bet.


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Dispute your tax assessment in Weld County

If you live 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 Sage Appraisal is your best evidence. We're capable of assisting you in challenging your tax assessment.

Let Sage Appraisal assist you in lowering your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the real estate. This additional payment is often lumped into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress that requires lenders to remove the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Sage Appraisal can provide you with a statement regarding the value of your home, and the price you paid for the home valuation can generally be offset in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be an especially traumatic event for both parties, and it is often more complicated by the troublesome decision of who keeps the house. It's a good idea to order an appraisal from Sage Appraisal so both parties are fully aware of the true market value of their property, regardless of the circumstances.

The parties will have a a good idea of what price to set, if they want to sell the home. And on the flip side, 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 painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up an uneven share of the total estate value, knowing the certain value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocating to or from Weld County

Employee relocation can be a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide feedback on the positive attributes of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price with an appraisal from Sage Appraisal

A professional appraisal can help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees are derived from our efforts to finish the appraisal report and not a percentage of the sales price.

We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long houses are on the market. So, 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.