At REID E. CHOATE & ASSOCIATES, LLC, we understand the individual needs of a customer looking for appraisal services.
Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. But as a general consumer, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.
For Sale by Owner/Pre-Listing Services
It's very hard to be objective about your own house because of your emotional attachment to 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 very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers.
It's something concrete to show your buyer.
An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth.
Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value estimation than yours.
Challenge Hawaii County's assessment of your property
Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close by.
This means you're probably paying higher taxes than you should be paying.
The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period.
Getting an expert appraisal from REID E. CHOATE & ASSOCIATES, LLC is your perfect weapon when challenging your property tax assessment.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners.
Once your mortgage loan amount is below 80% of the value of your house, 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 qualified in helping homeowners just like you do away with unneeded PMI insurance.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area.
This can be destructive to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint.
REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal?
An appraiser from REID E. CHOATE & ASSOCIATES, LLC can go out and check the subject and comparables in a field review.
Or, if you need it in a rush, we can 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? We can assist you.
Even though most review work is requested by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to invest in a second opinion.
REID E. CHOATE & ASSOCIATES, LLC PO Box 388 Pahoa, HI 96778-0388