Real estate appraisal services for homeowners in the city of Pahoa and Hawaii County

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

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge your property tax assessment in Hawaii
  3. To cut their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or 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 settle an estate in Hawaii county or Hawaii by determining the true market value of the real estate in question
Do you own a home in or near Pahoa? Do you need help determining the price of your real estate? Contact REID E. CHOATE & ASSOCIATES, LLC.

At REID E. CHOATE & ASSOCIATES, LLC, we understand the particular needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. As our non-traditional client, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at REID E. CHOATE & ASSOCIATES, LLC, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in an area that is going down or not appreciating as much as other homes close to yours. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. Getting an expert appraisal from REID E. CHOATE & ASSOCIATES, LLC is your perfect weapon when challenging your property tax assessment.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experts in helping folks just like you get rid of unneeded PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your home equity line of credit with a professional appraisal.

We Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a seasoned professional double-check it for preciseness or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. 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 you with a retrospective review of any appraisal report you may have had done before. Even though most appraisal reviews are commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are prudent to invest in a second opinion.

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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