Reasons someone would need Sage Appraisal

To a lot of us, an appraisal just looks like one more thing on the settlement sheet for a home purchase or refinance. Even though there are a developing number of automated home valuation systems that may seem cheaper than an appraisal, nearly all lenders still want a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only reason to acquire an appraisal, but there are additional situations when the services of a certified, independent real estate professional might come in handy.


	If you're planning on any transaction where the value of your home is a factor, you should contact Sage Appraisal. Just click here.

Let Sage Appraisal help you dispute your tax assessment in Weld County

It's possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a past assessment of your house, so if values have declined in your area, you can challenge your assessment and save money. An appraisal from Sage Appraisal is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.

Let Sage Appraisal help you lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the property, almost all lenders ask homeowners to purchase an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this additional payment is 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 - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

Sage Appraisal can produce a statement regarding the value of your home, and the price you paid for the appraisal can often be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is an especially daunting experience for the parties involved, and it is often even more complicated by the strenuous decision of who keeps the home. Regardless of the situation, 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 house.

If the parties wish to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Accurate and fair estate liquidation with Sage AppraisalSettling an estate

The loss of 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 residential property involved. We ensure the utmost 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 manage these matters, unlike wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocating to or from Weld County?

We are familiar with the headaches associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, as well as information regarding any current sales or listings in their area that they want considered during our intensive process.

Don't sell out for too little or keep your home on the market too long.

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. The price we charge isn't contingent upon the value we come up with, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long properties stay on the market. So, seeking a professional appraisal is a trusted way to decide what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.