Need an appraisal in Monument or El Paso County?

Here are the top seven reasons CO homeowners order from Brian Thomas:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
Challenge El Paso county's assessment of your propertyvalue
Remove PMI to reduce your mortgage payments
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a CO divorce, where property needs to be divided
Settle an estate in CO by determining the true market value of real estate in question

Own a home in or near Monument, CO and need help determining the value of it?
Contact Brian Thomas.

We at Brian Thomas understand the individual needs of a consumer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Brian Thomas, are objective. We 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 buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to remove PMI

An attractive way to cut costs for homeowners is to get 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 down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. At Brian Thomas, we're qualified in helping customers just like you dismiss unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if your house not appreciating as much as other houses nearby. This only means you are probably paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Brian Thomas is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is close to a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Brian Thomas can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Brian Thomas can go out and check the subject and comparables in a field review. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.