Reliable Appraisals for Mortgage Lending in Northern Colorado   

At KTS Appraisal Services, we specialize in residential appraisals that meet the strict requirements of today’s mortgage lending process. With over 35 years of experience and more than 30,000 appraisals completed, our team is a trusted partner for banks, credit unions, mortgage brokers, and private lenders throughout Northern Colorado.

We provide timely, unbiased valuations that help lenders assess risk, finalize loans, and ensure compliance with underwriting guidelines. Our FHA-certified appraisers are well-versed in the expectations of both government-backed and conventional loan programs, and we understand the importance of meeting deadlines while maintaining accuracy and integrity.

Appraisals That Support Confident Lending Decisions

A reliable appraisal is one of the most important steps in securing a mortgage. Whether you're financing a home purchase, refinancing an existing property, or supporting a home equity loan, the appraisal plays a central role in determining loan-to-value ratios and protecting all parties involved.

Our reports are designed to be clear, well-supported, and compliant with current USPAP and lender requirements. We understand what underwriters are looking for and ensure that our appraisals contain the data, analysis, and documentation needed to keep your loan process moving forward.

Who We Work With

KTS Appraisal Services provides appraisal support to a wide range of clients in the mortgage industry. We work directly with regional and national banks, credit unions, independent mortgage brokers, and private lenders. We’re also a reliable resource for homeowners who are refinancing or securing a second mortgage and need a qualified, local appraiser to provide a report that lenders will accept.

Whether you manage high-volume loans or help individuals through one-on-one service, we can tailor the process to fit your needs while maintaining our commitment to accuracy, transparency, and timely delivery.

Why Local Market Knowledge Matters

Every appraisal we perform is shaped by real market conditions in Northern Colorado. Property values vary not just by city, but by neighborhood, school district, zoning, and even street-to-street differences. As appraisers rooted in Larimer, Weld, and Adams counties, we understand the trends and nuances that affect value in places like Fort Collins, Greeley, Brighton, and Thornton.

From suburban developments and rural homes to manufactured housing and in-town renovations, we bring deep, first-hand market knowledge to every assignment. That local insight helps us produce reports that reflect the true character of the property—and the real value it holds.

Experience You Can Trust

As a family-owned business with a long-standing presence in Northern Colorado, KTS Appraisal Services is known for consistency, responsiveness, and professionalism. We know how important timing is in the lending world, and we pride ourselves on delivering dependable results with a quick turnaround.

From pre-approvals to closing, we’re here to support the lending process with quality appraisals that reflect the real value of the property. Our team understands the urgency of mortgage timelines and works closely with loan officers and processors to ensure smooth communication and fast scheduling.