Appraisal services for Loveland and Larimer County homeowners

See the top seven reasons CO homeowners call on Appraisals On Time:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. To lower your mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in Larimer county or CO

Do you own a house in or near Loveland? Do you need help determining the value of your real estate?
Contact Appraisals On Time.

We at Appraisals On Time understand the special needs of a customer after appraisal services. Our regular business clients are used to the appraisal process and the standard "products" we deliver to them. Being a regular homeowner that most likely doesn't see an appraisal every day,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.

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

It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Appraisals On Time, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value estimation than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. We're qualified in helping people just like you delete unwanted and unneeded PMI insurance.

Challenge Larimer county's assessment of your property

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other houses nearby. That only means you are probably paying more taxes than you should. The sooner 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. An appraisal from Appraisals On Time is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender might just choose 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 this be inconvenient from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Appraisals On Time can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Appraisals On Time offers field reviews where we go out and check the subject and comparables. If you need it ASAP, we'll provide 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 typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your house.