Need an appraisal in Aurora or Arapahoe County?
The top 7 reasons CO homeowners use J & A Appraisals, LLC:
Own a home in or near Aurora, CO and need help deciding the value of it?
At J & A Appraisals, LLC, we understand the individual needs of a homeowner after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your house, 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. We're experienced in helping customers just like you abolish unwanted and unneeded PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a region that's going down. This means you're paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from J & A Appraisals, LLC is your number one weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. An efficient appraisal from J & A Appraisals, LLC can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just received a copy of your appraisal and you'd like to have a veteran appraiser double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you're in a hurry, we'll 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 report? J & A Appraisals, LLC can help you with that. While typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.