Real estate appraisal services for homeowners in the city of Pahoa and Hawaii County
The top seven reasons HI homeowners call on REID E. CHOATE & ASSOCIATES, LLC:
Do you own a home in or near Pahoa? Do you need help deciding the value of your real estate?
At REID E. CHOATE & ASSOCIATES, LLC, we understand the individual needs of a consumer after appraisal services. Our usual business clients understand the appraisal process and the standard "products" we deliver to them. As our non-traditionalclient, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value report than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, 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. We're veterans in helping consumers just like you rid yourselves of unneeded and unwanted PMI insurance.
Challenging property tax assessments
Lets say you live in a region that is declining -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from REID E. CHOATE & ASSOCIATES, LLC is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. REID E. CHOATE & ASSOCIATES, LLC can provide you with an expert appraisal that will help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned professional to double-check your appraisal for precision, or do you desire 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. 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.
Need a retrospective review of an appraisal report? We can We can assist you While usually requested by banks, you may wish to employ 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.