Appraisal services for Pahoa and Hawaii County homeowners
Here are the top 7 reasons HI homeowners need REID E. CHOATE & ASSOCIATES, LLC:
Own a home in or near Pahoa, HI and need help deciding the value of it?
We at REID E. CHOATE & ASSOCIATES, LLC understand the individual needs of a customer looking for appraisal services. While our typical 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.
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. The professional appraisers at REID E. CHOATE & ASSOCIATES, LLC will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. We're experts in helping consumers just like you get rid of unneeded PMI insurance.
Challenge a property tax assessment
Lets say your house is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. The faster 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 a professional appraisal from REID E. CHOATE & ASSOCIATES, LLC is your best weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can this be difficult from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. REID E. CHOATE & ASSOCIATES, LLC can provide you with efficient appraisal to 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 want a second opinion without the expense and delay of waiting for a whole new appraisal? We 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? REID E. CHOATE & ASSOCIATES, LLC can help with that too. While typically requested by banks, you may wish to employ 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.