Real estate appraisal services for homeowners in the city of Kailua Kona and Hawaii County

Check out the top seven reasons HI homeowners call on Real Estate and Appraisal:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce their mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a HI divorce, where real estate needs to be divided
  7. Settle an estate in HI by determining the true market value of real estate in question

Need help deciding the price of your house in or near Kailua Kona, HI?
Contact Real Estate and Appraisal.

We at Real Estate and Appraisal understand the unique needs of a homeowner seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. The professional appraisers at Real Estate and Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Interested buyers know that 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.

Need to remove PMI?

A popular money saver 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 amount is below 80% of the value of your house, 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. We are veterans in helping consumers just like you abolish unwanted PMI insurance.

Challenging Hawaii county's assessment of your property

Lets say your house is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. 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 faster you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Real Estate and Appraisal is your best weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. A professional appraisal from Real Estate and Appraisal can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd like to have a seasoned expert double-check it for precision or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're in a rush, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.