Attention homeowners in Wailuku and Maui County: Need an appraisal?

Here are the top seven reasons why Hawaii homeowners order from Appraisal Reports and Services, LLC:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
To lower their mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a divorce in the state of Hawaii, when property needs to be divided
To settle an estate in Maui county or Hawaii by determining the true market value of the property in question


	Do you own a home in or near Wailuku? Do you need help deciding the value of your real estate? Contact Appraisal Reports and Services, LLC.

At Appraisal Reports and Services, LLC, we understand the particular needs of a homeowner after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. But as a general consumer, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

For-Sale-by-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Appraisal Reports and Services, LLC, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Challenging Maui County's assessment of your property

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close by. This 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 sooner you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Appraisal Reports and Services, LLC is your best weapon.

Appraisals to cancel PMI

A fashionable way to cut costs for homeowners is getting the PMI removed 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 the lender to have the PMI removed from your loan, which will make your monthly payments go down. Appraisal Reports and Services, LLC is qualified in helping customers just like you do away with unwanted PMI insurance.

Was your HELOC recently frozen?

If your property is close to a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be annoying from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Appraisal Reports and Services, LLC can provide you with an expert appraisal to help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd like to have a veteran appraiser double-check it for verity or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? We can assist you. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.