Need an appraisal in Rocky Ford or Otero County?

Here are the top seven reasons Colorado homeowners hire Hancock Appraisals:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to cut your mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Colorado, when property needs to be divided
Settle an estate in Colorado by determining the true market value of a property


	Do you own a home in or near Rocky Ford? Do you need help deciding the value of your real estate? Contact Hancock Appraisals.

At Hancock Appraisals, we understand the individual needs of a customer in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO)

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Hancock Appraisals, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value opinion than yours.

Challenge Otero County's assessment of your property

Let's say your house is not appreciating as much as other homes close by -- your local tax assessor may have your home overvalued. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. Getting an appraisal from Hancock Appraisals is your perfect weapon when contesting your property tax assessment.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Hancock Appraisals is seasoned in helping clients just like you abolish undesirable PMI insurance.

Was your HELOC recently frozen?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be disadvantageous from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Hancock Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for preciseness? We can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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 report? We can assist you. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.