Homeowner Appraisal services Denver Metro Area
Here are the top seven reasons why Colorado homeowners order from Adams Appraisal Svcs. LLC:
Need help deciding the value of your house in Denver County, Arapahoe County, Adams County, Douglas County or Jefferson County Colorado?
We at Adams Appraisal Svcs. LLC understand the individual needs of a consumer in need of appraisal services. While our usual business 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)
Are you doing a For Sale By Owner (FSBO) and are unsure about how to price you home. You do not want to leave money on the table and at the same time you want to sell within a reasonable time.
Let the professional appraisers at Adams Appraisal Svcs. LLC inform you what you need to know -- not just what you want to hear. We are objective.
A professional appraisal is an effective negotiating tool once you have a potential buyer. You have an independent professional third party's opinion of your house's price, which is something concrete to show the buyer.
Cancel PMI save money!
Getting the PMI (Private Mortgage Insurance) canceled may significantly cut your monthly mortgage payments. Once your mortgage loan amount is below 80% of the value of your property, in most cases, you can apply to your lender to have the PMI eliminated from your loan, which will reduce your monthly payments.
Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis. This means on a $100,000 loan, the homeowner could be paying as much as $1,000 a year—or $83.33 per month—assuming a 1% PMI fee.
Are you current with your mortgage payments?
Has your property increased in value?
In today’s market your home's value may have increased significantly enough to drop your loan amount to less than 80%. Remember this is based on the current value of the home not the purchase price.
A supported appraised value by Adams Appraisal Services may lower your mortgage payment.
Challenging a property tax assessment
If you live in a local area that is going down or is not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. That means you're most likely paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Adams Appraisal Svcs. LLC is your chief weapon when contesting your property tax assessment.
HELOC recently frozen?
If your house is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. Adams Appraisal Svcs. LLC can provide you with a professional appraisal to help you reinstate your home equity line of credit.
We Also Offer Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you would like to have a seasoned expert double-check it for preciseness or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Adams Appraisal Svcs. LLC can go out and check the subject and comps in question in a field review. If you're in a hurry, we'll provide you with a 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 report? We can help with that too. Even though this is usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.