Appraisal services for Denver and Adams County homeowners
Here are the top seven reasons Colorado homeowners hire Lumino Valuation Group, Inc.:
At Lumino Valuation Group, Inc., we understand the unique needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Lumino Valuation Group, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value opinion than yours.
Challenge a property tax assessmentYour local tax assessor may have your home overvalued if your home is not appreciating as much as other houses nearby. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. Getting an appraisal report from Lumino Valuation Group, Inc. is your best weapon when challenging your property tax assessment.
Need to remove PMI?Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping customers just like you rid themselves of unneeded and unwanted PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. Not only can this be annoying from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Lumino Valuation Group, Inc. can help you reinstate your home equity line of credit with a professional appraisal.
Need Field and Desktop Appraisal Review Services?Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will 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 you may have had in the past. Even though most review work is requested by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to get a second opinion.