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Why you should order an appraisal from Appraisal Express HI, LLC

Every year, thousands of people in Hawaii purchase, sell or refinance their home. Many of these transactions contain a simple line item for an appraisal. Almost all lenders still call for a local expert because the stakes are so high, even though there are a growing number of automated home valuation systems that may appear cheaper than an appraisal. Is obtaining a mortgage the only reason to get an appraisal? Are there more situations when the services of a licensed, independent real estate professional might come in handy? Of course there are.

Let Appraisal Express HI, LLC assist you in lowering your mortgage payment

Appeal your tax assessment in Maui County

If you live in an area where the value of property has 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 can assist you in challenging your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, nearly all lenders ask homebuyers to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this added payment is lumped into the monthly mortgage payment and is quickly forgotten. This is bad because PMI isn't required when the remaining balance 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 get rid of PMI, Appraisal Express HI, LLC can produce a statement regarding the value of your home. The price you paid for the home valuation can often 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 can be a very traumatic experience for both parties, and it is often more complicated by the hard decision of who maintains the home. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from Appraisal Express HI, LLC, regardless of the circumstances.

The parties will have a better idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

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 calls for an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these issues. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Move to or from Maui County for work

We understand the headaches associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any current sales or listings in their neighborhood that they want considered.

Sell your home promptly — for an accurate price

A professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or use the assistance 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 aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.

We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to determine 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.

Let Appraisal Express HI, LLC help you sell your home quickly at the right price