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| Robin Schellman - President Peak Apprasials |
Peak Appraisals
11020 Glacier Park Cr.
Parker, CO 80138 720-217-7084
peakappraisals@att.net
Peak Appraisals has a dedicated staff on hand to assist with all your lending needs. Our 'goal' is that when we interact with the homeowners we are an extension of you, and it is our responsibility to represent you to the highest level of professionalism. We want to do our best to ensure that your clients will become your Customers for Life.
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In today's competitive market, working with a reliable appraisal company speaks volumes about your lending services. Peak Appraisal Services has been established to provide the mortgage-lending industry with a commitment to working successfully with you to ensure quality appraisals.
Dedication to helping customers: We truly care for each customer. We build enduring relationships by understanding our customer's needs and by servicing them better each time than the time before. Peak Appraisals customers can count on us to consistently deliver superior services that help them achieve their goals.
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Integrity: We are honest and ethical in all our business dealings. We keep our promises and ensure that you will be given the best service we have to offer. Our personal conduct ensures that Peak Appraisals name is always worthy of Trust.
Innovation: We believe innovation is the engine that keeps us going. Our investment in training and technology has helped our customers greatly. We will continue to achieve success through our dedication to our customers needs.
Community: As a small business we believe that the community is the essence of our being. That is why we give the first 10% of our revenue to the Community and various Non-Profit Organizations. When you can take a moment to give back; it really makes all the difference.
In today's competitive market, working with a reliable appraisal company speaks volumes about your lending services. Peak Appraisal Services has been established to provide the mortgage-lending industry with a commitment to working successfully with you to ensure quality appraisals.
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To service many of our partners better we are approved by the following lending institutions:
* Chesapeake Appraisal Services
* Flagstar
* GreenPoint Mortgage
* General American Corporation (GAC)
* LandSafe
* Old Republic National Title Insurance
* Providence Funding
* RealEC Technologies
Peak Appraisals offers appraisals for the following:
* Primary and secondary mortgages
* Mortgage refinancing
* Employee relocation
* Private mortgage insurance removal
* Estate planning
* Divorce settlement
Choosing Peak Appraisals for your next appraisal will present you with these benefits:
* Quick turn around times
* Highest quality appraisals reports
* Electronic delivery
* Competitive pricing
The Appraisal....what is it?
The valuation of your home is carried out by an appraiser who is qualified and approved by the lender. An appraisal is required to assure the lender that the property is worth the sales price and that the required loan to value ratio is met. An appraisal represents a reasonable estimate of the property's value that is based on comparable home sales in the area.
There are different kinds of home appraisals. This report only discusses the conventional appraisal. A conventional appraisal is on all loans that do not have government backing. Most conventional appraisals are good for six months. There are no required warranties on conventional loans. Conventional appraisals are not interchangeable with Federal Housing Association (FHA) or Veterans Administration(VA)home appraisals.
As a buyer, you may pay more or less than the appraised value for the home that you select. If you pay more than the appraised value, you must pay the difference in cash. However, you should make every effort to renegotiate the sales price with the buyer to reflect the appraised value as much as you can. If you pay less than the appraised value, the loan amount is based on the sales price of the property.
A home appraisal will list any serious defects on the appraisal form. These defects usually are structural problems rather than cosmetic. These defects have to be corrected for the house to qualify for your loan. Usually, the seller pays for the repairs. The values of these repairs are listed on the appraisal. All repairs have to be completed before the loan can be closed.
Existing houses are sold "as is". If the repairs are not listed on the home appraisal, there are no required repairs. The only exception to this would be a written agreement in the sales contract between you and the seller. Some real estate agencies offer a one-year service warranty as a insurance to you on a new existing home.
Because of the "as is" status of existing homes, you should always examine the house carefully. If necessary, seek professional inspection for reassurance of its condition. You should also make sure that the home appraisal is not overpriced for the area.
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