Appraisal services for Hesperus and La Plata County homeowners

The top 7 reasons CO homeowners order from Rocky Mountain Appraisal:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To lower a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in CO by determining the true market value of property in question

Need help deciding the price of your home in or near Hesperus, CO?
Contact Rocky Mountain Appraisal.

We at Rocky Mountain Appraisal understand the unique needs of a customer looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Rocky Mountain Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value report than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, 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. We're experts in helping folks just like you do away with undesirable PMI insurance.

Challenge Tax Assessment

If you live in an area that is going down or is not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When contesting your property tax assessment, getting a professional appraisal from Rocky Mountain Appraisal is your best weapon.

HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Rocky Mountain Appraisal can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for precision? Rocky Mountain Appraisal offers field reviews where we go out and check the subject and comps. If you're in a hurry, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can We can assist you While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.