Let Appraisal Express HI, LLC serve your appraisal needs
To many, an appraisal is simply another cost on the settlement sheet for a home purchase or refinance. Almost all lenders still need a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation methods that might appear to be more prudent than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are more cases when the services of a licensed, independent real estate professional might come in handy.
Dispute your tax assessment in Maui County
If you live in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Appraisal Express HI, LLC is your best evidence when building your case. We're capable of assisting you in disputing your tax assessment.
PMI removal to lower a mortgage payment
Private Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask home buyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the property. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. This is bad because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Appraisal Express HI, LLC can produce a statement regarding the value of your home. The expense of the appraisal can usually be regained in a short amount of time because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is a very traumatic event for the parties involved, and it is often further complicated by the troublesome decision of who keeps the house. Regardless of the situation, it's a good idea to get an appraisal from Appraisal Express HI, LLC so both parties are entirely aware of the true market value of their property.
If the parties want to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Determine an accurate and fair valuation for estate liquidation
The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.
Most Americans don't have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Relocate to or from Maui County through an employee relocation program
Employee relocation is a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide input on the positive aspects of their property, along with information regarding any new sales or listings in their area that they want considered.
Close on your home promptly — for an accurate price
Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to finish the appraisal report.
On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long propertiesstay on the market. So, getting a professional appraisal is a reliable way to determine what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.