Appraisal services for Pahoa and Hawaii County homeowners
The top 7 reasons HI homeowners need REID E. CHOATE & ASSOCIATES, LLC:
Own a home in or near Pahoa, HI and need help deciding the price of it?
We at REID E. CHOATE & ASSOCIATES, LLC understand the special needs of a homeowner in need of appraisal services. While our usual 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
It's very hard to be objective about your own home because you most likely have an emotional attachment to 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. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable 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. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value conclusion than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experts in helping customers just like you dismiss unneeded PMI insurance.
Challenge property tax assessments
Lets say you live in an area that is declining -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an appraisal report from REID E. CHOATE & ASSOCIATES, LLC is your best weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your property is near a declining area, your lender just might choose 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 disadvantageous from a cash flow point of view, but it can be negative on 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 to help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you would like to have a seasoned professional double-check it for accuracy or do you desire a second opinion without the cost 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 comparables 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? REID E. CHOATE & ASSOCIATES, LLC can help you with that. While usually requested by banks, you may wish to take advantage of 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.