Appraisal services for Lakewood and Jefferson County homeowners

Here are the top 7 reasons CO homeowners hire Stephen DeBell:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To cut your monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a CO divorce, when real estate property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate in CO

Own a house in or near Lakewood, CO and need help determining the price of it?
Contact Stephen DeBell.

We at Stephen DeBell understand the particular needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a consumer that probably doesn't look at appraisals on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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 Stephen DeBell will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your home is worth. Interested buyers assume that 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.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. Stephen DeBell is seasoned in helping customers just like you dismiss unwanted PMI insurance.

Challenge a property tax assessment

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. That only means you're probably paying 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. When contesting your property tax assessment, getting an appraisal from Stephen DeBell is your #1 weapon.

HELOC recently frozen?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Stephen DeBell can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Stephen DeBell can go out and check the subject and comps 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 report? We can help with that too. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.