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

Here are the top 7 reasons CO homeowners call on Hart Appraisal Services:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge Douglas county's assessment of your property
To cut a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a CO divorce, where real estate needs to be divided
To determine the true market value of real estate in question to settle an estate in Douglas County or the state of CO

Own a home in or near Highlands Ranch, CO and need help determining the value of it?
Contact Hart Appraisal Services.

We at Hart Appraisal Services understand the special needs of a homeowner in need of appraisal services. Our typical business clients get the appraisal process and the standard reporting formats. As our valued client, you'll 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 (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Hart Appraisal Services are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract 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 how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.

Need to cancel PMI?

A preferred way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We're seasoned in helping customers just like you remove unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in an area that is declining. That 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 sooner you take care of things like this, the better. An appraisal from Hart Appraisal Services is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can this be difficult from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Hart Appraisal Services can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for efficiency or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Hart Appraisal Services can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can provide you with a 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 want to make use of this service if you suspect mortgage fraud related to your property.