Attention homeowners in Ranchos De Taos and Taos County: Need an appraisal?

Here are the top seven reasons NM homeowners hire Mike Archuleta:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to cut a monthly mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Taos county or NM

Do you own a house in or near Ranchos De Taos? Do you need help determining the price of your real estate?
Contact Mike Archuleta.

At Mike Archuleta, we understand the special needs of a homeowner looking for appraisal services. Our typical business clients get the appraisal process and the standard "products" we deliver to them. Being a regular homeowner that probably doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Mike Archuleta will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is down below 80% of the value of your property, 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. Mike Archuleta is veterans in helping homeowners just like you do away with undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining or is not appreciating as much as other properties close to yours. That means you are probably 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. An expert appraisal from Mike Archuleta is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow standpoint. An appraisal from Mike Archuleta can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Mike Archuleta can go out and check the subject and comps in a field review. Or, if you need it ASAP, we can provide 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 help with that too. Even though this is typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.