Attention homeowners in Pahoa and Hawaii County: Need an appraisal?
Here are the top 7 reasons why HI homeowners order from REID E. CHOATE & ASSOCIATES, LLC:
Own a home in or near Pahoa, HI and need help determining the price of it?
We at REID E. CHOATE & ASSOCIATES, LLC understand the special needs of a customer in need of appraisal services. Our customary business clients understand the appraisal process and the customary reporting formats. Being a consumer that ordinarily doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your home because you probably 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. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.
Appraisals to cancel PMI
A popular way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. At REID E. CHOATE & ASSOCIATES, LLC, we're seasoned in helping clients just like you abolish unwanted and unneeded PMI insurance.
Challenge a property tax assessment
Lets say you live in a region that's declining -- your local tax assessor may have your home overvalued. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting a professional appraisal from REID E. CHOATE & ASSOCIATES, LLC is your #1 weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your home is close to a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. REID E. CHOATE & ASSOCIATES, LLC can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you would prefer to have a seasoned professional double-check it for preciseness or do you desire a second opinion without the charge 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. 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.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may wish to employ 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.