Need an appraisal in Pagosa Springs or Archuleta County?

Check out the top 7 reasons why CO homeowners call on Cade Mountain Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge Archuleta county's assessment of your propertyvalue
  3. Remove PMI to reduce a mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a CO divorce, when real estate needs to be divided
  7. Determine the true market value of property in question to settle an estate in Archuleta county or CO

Do you own a home in or near Pagosa Springs? Do you need help deciding the value of your real estate?
Contact Cade Mountain Appraisals.

We at Cade Mountain Appraisals understand the unique needs of a customer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a regular person not in the real estate business that probably doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Cade Mountain Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. Cade Mountain Appraisals is experts in helping consumers just like you abolish unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining. This means you're probably paying higher taxes than you should be paying. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Cade Mountain Appraisals is your best 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 choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be troublesome from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Cade Mountain Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for efficiency, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. Or, if you're in a rush, 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 exercise this service if you suspect mortgage fraud related to your property.