Appraisal services for Aurora and Arapahoe County homeowners

The top 7 reasons why CO homeowners need Tim Ridley:

Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To reduce your mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in CO by determining the true market value of real estate in question

Own a home in or near Aurora, CO and need help determining the price of it?
Contact Tim Ridley.

At Tim Ridley, we understand the unique needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. As our non-traditionalclient, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Tim Ridley, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value report than yours.

Appraisals to cancel PMI

A fashionable way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 make your monthly payments go down. Tim Ridley is seasoned in helping folks just like you abolish unwanted PMI insurance.

Challenge Arapahoe county's assessment of your property

Lets say you live in a region that is declining -- your local tax assessor may have your home overvalued. This only means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal from Tim Ridley is your #1 weapon.

Was your HELOC recently frozen?

If your property is in or near a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Tim Ridley can help you reinstate your home equity line of credit with efficient appraisal.

We Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a seasoned professional double-check it for verity or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. If you need it ASAP, 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.

We can also provide a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.