Real estate appraisal services for homeowners in the city of Pahoa and Hawaii County
The top 7 reasons why HI homeowners order from REID E. CHOATE & ASSOCIATES, LLC:
Do you own a home in or near Pahoa? Do you need help deciding the price of your real estate?
At REID E. CHOATE & ASSOCIATES, LLC, we understand the particular needs of a consumer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your house, 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 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 house will attract interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value assessment than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable money saver for homeowners. Once your mortgage loan amount is 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, which will make your monthly payments go down. REID E. CHOATE & ASSOCIATES, LLC is experienced in helping folks just like you delete unwanted PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that's going down. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting an appraisal from REID E. CHOATE & ASSOCIATES, LLC is your strongest weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal? We can help you with that Even though this is usually requested by banks, you may need to make use of 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.