Appraisal services for Kihei and Maui County homeowners
The top 7 reasons Hawaii homeowners call on Appraisal Express HI, LLC:
Do you own a home in or near Kihei? Do you need help deciding the value of your real estate?
We at Appraisal Express HI, LLC understand the special needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. Being a regular person not in the real estate field that most likely doesn't look at appraisals on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Appraisal Express HI, 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 selling price so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much 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 experienced appraiser's value report than yours.
Appraisals to remove PMI
An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Appraisal Express HI, LLC is qualified in helping customers just like you rid yourselves of undesirable PMI insurance.
Challenge Maui county's assessment of your property
Your local tax assessor may have your house overvalued if you live in an area that's declining or not appreciating as much as other properties close to yours. 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 quicker you take care of a matter like this, the better off you'll be. Getting an appraisal report from Appraisal Express HI, LLC is your number one weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your home is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. An expert appraisal from Appraisal Express HI, LLC can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you'd like to have a veteran appraiser double-check it for verity or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it immediately, 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 help you with that Even though this is usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.