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Attention homeowners in Pahoa and Hawaii County: Need an appraisal?

The top seven reasons why Hawaii homeowners order from REID E. CHOATE & ASSOCIATES, LLC:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Hawaii County's assessment of your property
  3. To lower their mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. In the case of a divorce in the state of Hawaii, when real estate needs to be divided
  7. Settle an estate in Hawaii by determining the true market value of a property
Do you own a house in or near Pahoa? Do you need help deciding the price of your real estate? Contact REID E. CHOATE & ASSOCIATES, LLC.

We at REID E. CHOATE & ASSOCIATES, LLC understand the individual needs of a consumer seeking appraisal services. Our usual business clients understand the appraisal process and the standard "products" we deliver to them. As our valued client, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

Pre-listing Services/For Sale by Owner (FSBO)

Since you have an emotional attachment to your own house, 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 will tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's going down. This means you are going to pay higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from REID E. CHOATE & ASSOCIATES, LLC is your #1 weapon when contesting your property tax assessment.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're qualified in helping people just like you dismiss unnecessary PMI insurance.

Recently got a freeze to your HELOC?

If your house is near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow viewpoint, but it can be 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 an expert appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the 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're 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.

Do you need a retrospective review of an appraisal report? REID E. CHOATE & ASSOCIATES, LLC can help you with that. Although most review work is requested by lenders, homeowners suspecting 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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