Attention homeowners in Highlands Ranch and Douglas County: Need an appraisal?

See the top seven reasons why Colorado homeowners order from Dennis Paylor:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to lower their mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in Colorado by determining the true market value of a property


	Need help deciding the value of your home in or near Highlands Ranch, Colorado? Contact Dennis Paylor.

We at Dennis Paylor understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. Being a homeowner that ordinarily 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 present our findings.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Dennis Paylor 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 very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down. That means you're 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 a matter like this, the better off you'll be. When challenging your property tax assessment, getting an expert appraisal from Dennis Paylor is your strongest weapon.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. Dennis Paylor is qualified in helping customers just like you delete unneeded PMI insurance.

HELOC recently frozen?

If your home is in a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Dennis Paylor can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for precision? In a field review we'll go out and check the subject and comparables. Or, if you're in a rush, we can provide desk review and verify as many facts as we can, using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? Dennis Paylor can help you with that. Even though most appraisal reviews are commissioned by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.