Attention homeowners in Pahoa and Hawaii County: Need an appraisal?

Here are the top 7 reasons Hawaii homeowners hire REID E. CHOATE & ASSOCIATES, LLC:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Hawaii County's assessment of your property value
  3. Remove PMI to reduce a mortgage payments
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different 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 real estate in question to settle an estate
Own a home in or near Pahoa, Hawaii and need help deciding the value of it? Contact REID E. CHOATE & ASSOCIATES, LLC.

At REID E. CHOATE & ASSOCIATES, LLC, we understand the special needs of a customer after appraisal services. Our customary business clients understand the appraisal process and the standard reporting formats. Being a regular person not in the real estate industry that most likely doesn't see an appraisal on a regular basis, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

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. Our professional appraisers at REID E. CHOATE & ASSOCIATES, LLC are objective. We won't just tell you what you want to hear, we will tell you what you need to know. 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 interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other homes nearby. This only means you are paying higher taxes than you should be paying. The earlier 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. Getting a professional appraisal from REID E. CHOATE & ASSOCIATES, LLC is your number one weapon when challenging your property tax assessment.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. At REID E. CHOATE & ASSOCIATES, LLC, we're experienced in helping customers just like you remove unwanted PMI insurance.

HELOC recently frozen?

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

Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for accuracy? An appraiser from REID E. CHOATE & ASSOCIATES, LLC can go out and check the subject and comparables in question 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.

Do you need a retrospective review of an appraisal? We can assist you. Even though most review work is commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to invest in 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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