Reasons someone would use the services of Turner Consulting & Evaluation

Thousands of people in Colorado purchase, sell or refinance their home each year. Most of these transactions include a simple line item for an appraisal. Nearly all lenders still want a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that may appear more economical than an appraisal. But is getting a mortgage the only basis for getting an appraisal? Are there additional times when the services of a licensed, independent real estate professional might be helpful? You bet there are.


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Appeal your tax assessment in La Plata County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your house, so if values have gone down in your area, you can appeal your assessment and save money. An appraisal from Turner Consulting & Evaluation is your best evidence when building your case. At Turner Consulting & Evaluation,we can assist you in disputing your tax assessment.

Turner Consulting & Evaluation can help you get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that most lenders ask homebuyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the home. This additional payment is often lumped into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Turner Consulting & Evaluation can provide you with a statement regarding the value of your home. 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 can be a very daunting experience for both parties, and it is often even more complicated by the hard decision of who keeps the house. It's a good idea to order an appraisal from Turner Consulting & Evaluation so both parties are fully aware of the true market value of their home, regardless of the circumstances.

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.

Settling an estate with peace of mind

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 residential property 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 don't have dedicated estate planners or executors to take care of these issues, unlike wealthier individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

Turner Consulting & Evaluation can help you with relocating to or from La Plata County

We understand the stress involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our intensive process.

Selling your home quickly at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't contingent upon the value we come up with, but rather they depend on our efforts to complete the appraisal.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long properties are on the market. So, seeking a professional appraisal is a trusted way to decide 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.