Attention homeowners: Real estate appraisal services for in Westminster and Adams County

See the top 7 reasons why CO homeowners call on James Garner:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge Adams county's assessment of your property
To cut their monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a CO divorce, where property needs to be divided
Determine the true market value of property in question to settle an estate in Adams county or CO

Own a house in or near Westminster, CO and need help determining the value of it?
Contact James Garner.

At James Garner, we understand the particular needs of a customer after appraisal services. Our usual business clients are used to the appraisal process and the usual documents we provide. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale By Owner (FSBO)

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. James Garner is experts in helping people just like you do away with unneeded PMI insurance.

Challenging a property tax assessment

If you live in an area that is declining or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. The earlier 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 expert appraisal from James Garner is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. James Garner can help you reinstate your home equity line of credit with a professional appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would wish to have an expert double-check it for preciseness or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps 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.

We can also provide a retrospective review of any appraisal report you may have had done before. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.