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Attention homeowners: Real estate appraisal services for in Pahoa and Hawaii County

Check out the top 7 reasons why HI homeowners use REID E. CHOATE & ASSOCIATES, LLC:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge Hawaii county's assessment of your property
  3. Remove PMI to cut their mortgage payments
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a HI divorce, when property needs to be divided
  7. Settle an estate in HI by determining the true market value of real estate in question

Do you own a house in or near Pahoa? Do you need help determining the value of your real estate?
Contact REID E. CHOATE & ASSOCIATES, LLC.

At REID E. CHOATE & ASSOCIATES, LLC, we understand the particular needs of a consumer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services

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 selling price so your house will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan 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. REID E. CHOATE & ASSOCIATES, LLC is experienced in helping consumers just like you dismiss undesirable PMI insurance.

Challenging Hawaii county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that is going down. That only means you are most likely 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. An appraisal from REID E. CHOATE & ASSOCIATES, LLC is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for verity or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. 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 in the past. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.

Got a Question?

Do you have a question relating to real estate appraisals? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.

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