Robert L Ripp, SRA in Fort Collins do appraisals for a variety of reasonsYear after year, thousands of people in Colorado purchase, sell or refinance their home. Most of these transactions involve a simple line item for an appraisal. Most lenders still call in a local expert because the stakes are so high, even though there are a budding number of automated home valuation systems that may seem cheaper than an appraisal. You might think that obtaining a mortgage is the only reason to acquire an appraisal, but there are other situations when the services of a certified, independent real estate professional might be helpful.
Let Robert L Ripp, SRA help you appeal your tax assessment in Larimer CountyIf you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Robert L Ripp, SRA is your best evidence. At Robert L Ripp, SRA,we can assist you in appealing your tax assessment.
Let Robert L Ripp, SRA assist you in lowering your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance policy that most lenders ask home owners to buy when the amount being loaned to the buyer is more than 80% of the actual value of the home. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, Robert L Ripp, SRA can give you a statement regarding the value of your home. The cost of the home valuation can usually be recovered in just a few months because you'll no longer be paying the PMI.
An appraisal from Robert L Ripp, SRA will help you settle a divorce with less stressA divorce is an especially heartbreaking event for the parties involved, and it is often even more complicated by the difficult decision of who keeps the property. Regardless of the circumstances, it's a good idea to order an appraisal from Robert L Ripp, SRA so both parties are fully aware of the true market value of their home.
The parties will have a clearer picture of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Accurate and fair estate liquidation with help from Robert L Ripp, SRASettling an estateThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We ensure the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.
Let Robert L Ripp, SRA assist you in relocating to or from Larimer CountyEmployee relocation can be a stressful event. We know where you're coming from. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information about any current sales or listings in their neighborhood that they want considered during our intensive process.
Let Robert L Ripp, SRA help you sell your home quickly at the right priceA professional appraisal will help you make a more informed decision when determining your selling price, whether you want to sell your home on your own or use the assistance of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't contingent upon the value we report, but rather they are based on our efforts to complete the appraisal.
On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to decide what improvements will add value and what an applicable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long homes stay on the market.