Attention homeowners in Kapaa and Kauai County: Need an appraisal?

Here are the top seven reasons why Hawaii homeowners order from Miyake Appraisal Kauai LLC:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Kauai County's assessment of your property
  3. To reduce their mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a divorce in the state of Hawaii, where property needs to be divided
  7. Determine the true market value of the real estate in question to settle an estate in Kauai county or Hawaii
Do you own a house in or near Kapaa? Do you need help deciding the price of your real estate? Contact Miyake Appraisal Kauai LLC.

We at Miyake Appraisal Kauai LLC understand the special needs of a consumer seeking appraisal services. Our typical business clients understand the appraisal process and the standard reporting formats. Being a regular consumer that ordinarily doesn't look at appraisals on a regular basis, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value report than yours.

Challenging a property tax assessment

If you live in an area that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. That means you're probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Miyake Appraisal Kauai LLC is your #1 weapon when contesting your property tax assessment.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. Miyake Appraisal Kauai LLC is qualified in helping customers just like you delete unwanted and unneeded PMI insurance.

HELOC recently frozen?

If your home is in or near a declining area, your lender just 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 harmful to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. An appraisal from Miyake Appraisal Kauai LLC can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a seasoned expert double-check it for efficiency or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you need it immediately, we'll provide 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 you may have had done before. Although most appraisal reviews are requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.