Reasons to order an appraisal from Dennis Paylor

Thousands of people in Colorado purchase, sell or refinance their home every year. A lot of these transactions contain a simple line item for an appraisal. While there are a developing number of automated home valuation systems that may appear to be more prudent than an appraisal, almost all lenders still want a local expert because the stakes are so high. You might think that getting a mortgage is the only reason you should get an appraisal, but there are more cases when the services of a licensed, independent real estate professional might be beneficial.


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Let Dennis Paylor help you dispute your tax assessment in Douglas County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Dennis Paylor is your best evidence when building your case. At Dennis Paylor, we're capable of assisting you in disputing your tax assessment.

Let Dennis Paylor help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that nearly all lenders ask homeowners to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This added payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

Dennis Paylor will provide you with a statement regarding the value of your home, and the expense of the appraisal can generally be recovered in little time because you'll no longer be paying the PMI.

An appraisal from Dennis Paylor will help you settle a divorce with less stress

A divorce is often complicated by the strenuous decision of who keeps the property, and it can be an especially traumatic event for both parties. Regardless of the circumstances, it's prudent to get an appraisal from Dennis Paylor so both parties are completely aware of the true market value of their home.

If the parties wish to sell the home, they'll have a better idea of what price to set. 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 with Dennis PaylorSettling an estate

The death 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 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).

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike wealthier individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Dennis Paylor assist you in relocating to or from Douglas County

Moving due to a job change is a more than just an inconvenience, and we understand. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive process, we recommend relocating employees to provide feedback on the positive features of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from Dennis Paylor

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision regarding your selling price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to perform the appraisal report and not a percentage of the sales price.

We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties are on the market. So, obtaining a professional appraisal is a reliable 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.