We at REID E. CHOATE & ASSOCIATES, LLC understand the particular needs of a consumer looking for appraisal services.
The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a consumer that most likely doesn't see an appraisal on a regular basis, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.
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.
Our professional appraisers at REID E. CHOATE & ASSOCIATES, LLC are objective. We won't just tell you what you want to hear, we'll tell you what you need to know.
A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract 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 how much your house is worth.
Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value opinion than yours.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if your house not appreciating as much as other homes close to yours.
That means you are going to pay more taxes than you should.
Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better.
When challenging your property tax assessment, getting an appraisal from REID E. CHOATE & ASSOCIATES, LLC is your perfect weapon.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners.
Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan.
At REID E. CHOATE & ASSOCIATES, LLC, we're experts in helping customers just like you delete unnecessary PMI insurance.
Recently got a freeze to your HELOC?
Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area.
This can be difficult from a cash flow viewpoint, and detrimental to 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 a professional appraisal.
We Offer Field and Desktop Appraisal Review Services
Do you need a seasoned professional to double-check your appraisal for preciseness, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal?
We can go out and check the subject and comparables 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.
While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.
REID E. CHOATE & ASSOCIATES, LLC PO Box 388 Pahoa, HI 96778-0388