Appraisal services for Loveland and Larimer County homeowners

The top 7 reasons why CO homeowners call on Lot and Block Appraisal:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Larimer county's assessment of your propertyvalue
Remove PMI to reduce a mortgage payments
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a CO divorce, where real estate property needs to be divided
Settle an estate in CO by determining the true market value of real estate in question

Need help deciding the price of your home in or near Loveland, CO?
Contact Lot and Block Appraisal.

At Lot and Block Appraisal, we understand the unique needs of a consumer looking for appraisal services. While our usual 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.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Lot and Block Appraisal, are objective. We 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 very valuable as a negotiating tool once you have a potential buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to remove PMI

An attractive way to save money for homeowners is to get 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 down 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 experts in helping folks just like you rid yourselves of unwanted and unneeded PMI insurance.

Challenge Larimer county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that's going down. That only means you're going to pay 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 expert appraisal from Lot and Block Appraisal is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be inconvenient from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Lot and Block Appraisal can provide you with a professional appraisal to help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for preciseness, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a rush, we can 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? Lot and Block Appraisal can help with that too. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.