Attention homeowners in Pahoa and Hawaii County: Get an Appraisal today!

The top reasons Hawaii homeowners use REID E. CHOATE & ASSOCIATES, LLC:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce their mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a divorce in the state of Hawaii, where real estate property needs to be divided
  7. Determine the true market value of the property in question to settle an estate in Hawaii county or Hawaii
Do you own a home in or near Pahoa? Do you need help determining the value of your real estate? Contact REID E. CHOATE & ASSOCIATES, LLC.

We at REID E. CHOATE & ASSOCIATES, LLC understand the unique needs of a homeowner seeking 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/Pre-Listing Services

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 REID E. CHOATE & ASSOCIATES, LLC, will be 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 home will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.

Challenging a property tax assessment

If you live in a region that is going down or is not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. The faster 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. When challenging your property tax assessment, getting an expert appraisal from REID E. CHOATE & ASSOCIATES, LLC is your number one weapon.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. REID E. CHOATE & ASSOCIATES, LLC is seasoned in helping clients just like you remove unneeded PMI insurance.

HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow point of view. An appraisal from REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd like to have an expert double-check it for precision or do you need a second opinion without the charge 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 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.

We can also provide a retrospective review of any appraisal you may have in your possession. Although most appraisal reviews are requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.

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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