Appraisal services for Pahoa and Hawaii County homeowners

The top 7 reasons Hawaii homeowners hire REID E. CHOATE & ASSOCIATES, LLC:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Hawaii County's assessment of your property value
  3. To lower your mortgage payments by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a divorce in the state of Hawaii, where property needs to be divided
  7. To determine the true market value of real estate to settle an estate
Need help determining the value of your home in or near Pahoa, Hawaii? Contact REID E. CHOATE & ASSOCIATES, LLC.

We at REID E. CHOATE & ASSOCIATES, LLC understand the special needs of a homeowner in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. But as a consumer, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.

For Sale by Owner (FSBO)/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 a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.

Challenge property tax assessments

If you live in a local area that is going down or is not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. The earlier 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 strongest weapon when contesting your property tax assessment.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A popular money saver 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 less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. At REID E. CHOATE & ASSOCIATES, LLC, we're veterans in helping customers just like you get rid of unneeded PMI insurance.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. A professional appraisal from REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for preciseness? An appraiser from REID E. CHOATE & ASSOCIATES, LLC can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, we can provide 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 report you may have had in the past. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.

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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