Attention homeowners in COLORADO SPGS and El Paso County: Need an appraisal?

The top seven reasons why CO homeowners need Michael Mientka:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge El Paso county's assessment of your property
  3. Remove PMI to lower a mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a CO divorce, where real estate property needs to be divided
  7. Settle an estate in CO by determining the true market value of real estate in question

Own a house in or near COLORADO SPGS, CO and need help determining the value of it?
Contact Michael Mientka.

We at Michael Mientka understand the particular needs of a homeowner looking for appraisal services. Our usual business clients are used to the appraisal process and the customary documents we provide. Being a regular homeowner that ordinarily doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to better 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 Michael Mientka, 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 an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Michael Mientka, we're veterans in helping folks just like you delete undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties close by. 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 a matter like this, the better. An appraisal report from Michael Mientka is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. An appraisal from Michael Mientka can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a professional double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it in a rush, we'll provide 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? Michael Mientka can help you with that. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.