Attention homeowners in Wheat Ridge and Jefferson County: Get an Appraisal today!

See the top seven reasons why CO homeowners hire Todd Christensen:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Jefferson county's assessment of your property
  3. Remove PMI to cut a mortgage payments
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a CO divorce, where property needs to be divided
  7. To settle an estate in Jefferson county or CO by determining the true market value of property in question

Do you own a home in or near Wheat Ridge? Do you need help deciding the value of your real estate?
Contact Todd Christensen.

At Todd Christensen, we understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly 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 own home, 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. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. At Todd Christensen, we're experienced in helping homeowners just like you do away with unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other homes close to yours. That means you are going to pay more taxes than you should. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Todd Christensen is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Todd Christensen can provide you with a professional appraisal to help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for verity, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you're in a rush, 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.

Do you need a retrospective review of an appraisal report? Todd Christensen can help you with that. While usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.