Why you should get an appraisal from Appraisal Express HI, LLC
Each year, thousands of people in Hawaii purchase, sell or refinance their home. Most of these transactions consist of a simple line item for an appraisal. While there are a budding number of automated home valuation systems that may appear to be more prudent than an appraisal, the majority of lenders still call for a local expert because the stakes are incredibly high. Is getting a mortgage the only reason to get an appraisal? Are there other cases when the services of a licensed, independent real estate professional could come in handy? You bet.
Contest your tax assessment
If you live in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment.
Getting rid of your PMI for mortgage payments
When the amount being loaned to the homeowneris more than 80% of the actual value of the property, most lenders ask home buyers to take out this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this extra payment is folded into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.
Appraisal Express HI, LLC will give you a statement regarding the value of your home, and the price you paid for the appraisal can usually be offset in just a few months because you'll no longer be paying the PMI.
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Get a clear valuation on a home take make a divorce settlement less stressful
A divorce is often complicated by the troublesome decision of who keeps the property, and it can be an especially horrible experience for both parties. It's a good idea to order an appraisal from Appraisal Express HI, LLC so both parties are fully aware of the true market value of their home, regardless of the circumstances.
The parties will have a clearer picture of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Ascertain an accurate and fair valuation for estate liquidation
Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans don't have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Relocate to or from Maui County through an employee relocation program
Employee relocation can be 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 feedback on the positive attributes of their property, along with information about any new sales or listings in their area that they want considered.
Sell your home promptly — at an accurate price
A professional appraisal will help you make a better educated decision regarding your selling price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price.
We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to decide what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long properties are one the market.