Appraisal services for Pahoa and Hawaii County homeowners
The top seven reasons why HI homeowners order from REID E. CHOATE & ASSOCIATES, LLC:
Own a house in or near Pahoa, HI and need help deciding the value of it?
At REID E. CHOATE & ASSOCIATES, LLC, we understand the individual needs of a consumer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a person not in the real estate business that ordinarily doesn't see an appraisal on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your house because you probably have an emotional attachment to it. Professional appraisers, like the ones at REID E. CHOATE & ASSOCIATES, LLC, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value judgement than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At REID E. CHOATE & ASSOCIATES, LLC, we're experts in helping homeowners just like you abolish unwanted PMI insurance.
Challenge Hawaii county's assessment of your property
Lets say you live in a local area that is going down -- your local tax assessor may have your home overvalued. That means you are going to pay more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from REID E. CHOATE & ASSOCIATES, LLC is your perfect weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An appraisal from REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need a veteran appraiser to double-check your appraisal for precision, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question 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? REID E. CHOATE & ASSOCIATES, LLC can We can assist you. Even though this is typically requested by banks, you may wish to take advantage of 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.