Need an appraisal in Kailua Kona or Hawaii County?
Here are the top 7 reasons why Hawaii homeowners need Hawaiian Appraisals:
We at Hawaiian Appraisals understand the particular needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Hawaiian Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value opinion than yours.
Challenging property tax assessmentsLet's say your home is not appreciating as much as other homes close by -- your local tax assessor may have your home overvalued. This only means you're going to pay higher taxes than you should be paying. 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. An appraisal report from Hawaiian Appraisals is your #1 weapon when challenging your property tax assessment.
Appraisals to remove PMIPMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI removed 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 home. In most cases you can apply to the lender to have the PMI eliminated from your loan. Hawaiian Appraisals is seasoned in helping consumers just like you delete unwanted and unneeded PMI insurance.
Recently got a freeze to your HELOC?Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be unsuitable from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Hawaiian Appraisals can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review ServicesDo you need a seasoned professional to double-check your appraisal for verity, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. Or, if you need it immediately, 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 a retrospective review of any appraisal you may have in your possession. Although most appraisal reviews are requested by lenders, homeowners suspecting a prior appraisal wasn't above board are wise to get a second opinion.