Appraisal services for Littleton and Arapahoe County homeowners
The top seven reasons why CO homeowners hire Michael Manley Appraisals LLC:
Own a house in or near Littleton, CO and need help deciding the price of it?
At Michael Manley Appraisals LLC, we understand the unique needs of a consumer in need of appraisal services. Our usual business clients are used to the appraisal process and the usual reporting formats. As our non-traditionalclient, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Michael Manley Appraisals LLC will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. Michael Manley Appraisals LLC is veterans in helping homeowners just like you get rid of unnecessary PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that is declining or not appreciating as much as other properties close to yours. That means you're going to pay more taxes than you should. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Michael Manley Appraisals LLC is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be troublesome from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Michael Manley Appraisals LLC can provide you with an expert appraisal that will help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for accuracy, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Michael Manley Appraisals LLC offers field reviews where we go out and check the subject and comparables. Or, if you need it ASAP, we can 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 help with that too. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your home.