Appraisal services for Denver and Denver County homeowners
Here are the top 7 reasons why CO homeowners use Tober Residential Valuation, LLC:
Need help determining the price of your house in or near Denver, CO?
We at Tober Residential Valuation, LLC understand the individual needs of a customer 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.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Tober Residential Valuation, LLC will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value judgement than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, 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 Tober Residential Valuation, LLC, we're experts in helping clients just like you dismiss unneeded and unwanted PMI insurance.
Challenge Tax Assessment
Lets say you live in an area that's declining -- your local tax assessor may have your home overvalued. This means you're most likely paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Tober Residential Valuation, LLC is your number one weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
If your property is near a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Tober Residential Valuation, LLC can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for efficiency? Tober Residential Valuation, LLC offers field reviews where we'll go out and check the subject and comparables in question. Or, if you're in a rush, we can 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? Tober Residential Valuation, LLC can We can assist you. Even though this is usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.