Appraisal services for Pahoa and Hawaii County homeowners
The top 7 reasons why HI homeowners order from REID E. CHOATE & ASSOCIATES, LLC:
Need help determining the value of your home in or near Pahoa, HI?
At REID E. CHOATE & ASSOCIATES, LLC, we understand the individual needs of a homeowner after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at REID E. CHOATE & ASSOCIATES, LLC will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something concrete 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 house is worth. Potential buyers know 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.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting 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 below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. We are experienced in helping consumers just like you delete unwanted and unneeded PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if you live in an area that's declining or is not appreciating as much as other properties close by. This means you are going to pay higher taxes than you should be paying. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from REID E. CHOATE & ASSOCIATES, LLC is your perfect weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow viewpoint. REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned professional to double-check your appraisal for accuracy, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from REID E. CHOATE & ASSOCIATES, LLC can go out and check the subject and comps in question in a field review. If you're in a rush, we'll 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 you may have in your possession. While typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.
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.