Appraisal services for Golden and Jefferson County homeowners

Here are the top reasons CO homeowners use Sutton Appraisal Service:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a CO property tax assessment
  3. To cut a monthly mortgage payment by removing PMI
  4. To reinstate their 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 needs to be divided
  7. To settle an estate in Jefferson county or CO by determining the true market value of real estate in question

Own a home in or near Golden, CO and need help determining the value of it?
Contact Sutton Appraisal Service.

We at Sutton Appraisal Service understand the special needs of a homeowner after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a homeowner that most likely doesn't see an appraisal on a regular basis,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Sutton Appraisal Service, are objective. We'll 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 many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.

Need to cancel PMI?

A preferred way to save money for homeowners is getting the PMI eliminated 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 less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experts in helping homeowners just like you abolish unwanted and unneeded PMI insurance.

Challenge a property tax assessment

If you live in a region that is declining or is not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. Getting an appraisal report from Sutton Appraisal Service is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Sutton Appraisal Service can provide you with efficient appraisal to help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would wish to have a seasoned expert double-check it for efficiency or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Sutton Appraisal Service offers field reviews where we go out and check the subject and comparables. 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 We can assist you While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.