Attention homeowners in Montrose and Montrose County: Need an appraisal?

Here are the top reasons CO homeowners call on Bill Scharf:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce your mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in Montrose county or CO

Need help determining the value of your house in or near Montrose, CO?
Contact Bill Scharf.

At Bill Scharf, we understand the special needs of a consumer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value report than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We're veterans in helping clients just like you delete unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's going down. This means you're going to pay higher taxes than you should be paying. The sooner 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 Bill Scharf is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

If your home is close to a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be troublesome from a cash flow point of view, and harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Bill Scharf can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for verity, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. 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.

Do you need a retrospective review of an appraisal? Bill Scharf can We can assist you. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.