Reasons to order an appraisal

Thousands of people in Hawaii purchase, sell or refinance their home each year. Most of these transactions include a simple line item for an appraisal. Even though there are a budding number of automated home valuation systems that may appear less expensive than an appraisal, nearly all lenders still want a local expert because the stakes are so high. You might believe that obtaining a mortgage is the only basis for getting an appraisal, but there are other situations when the services of a certified, independent real estate professional might be beneficial.

Let TSH Real Estate and Appraisal Services, LLC help you lower your mortgage payment

Dispute your tax assessment

If you live in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in disputing your tax assessment.

Removing PMI for mortgage payments

When the amount being loaned to the homeowneris more than 80% of the actual value of the real estate, most lenders ask home buyers to buy this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. This is bad because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level. 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 installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, TSH Real Estate and Appraisal Services, LLC will produce a statement regarding the value of your home. The cost of the appraisal can often be recovered in just a few months because you'll no longer be paying the PMI.

Get your appraisal from TSH Real Estate and Appraisal Services, LLC

Order today

Settle a divorce with fewer hang-ups

A divorce is a particularly traumatic experience for the parties involved, and it is often even more complicated by the burdensome decision of who gets the property. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from TSH Real Estate and Appraisal Services, LLC, regardless of the circumstances.

The parties will have a a good idea of what price to set, if they want 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.

Fair and accurate estate liquidation

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthier individuals. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocate to or from Honolulu County through an employee relocation program

Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide input on the positive aspects of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered.

Sell your home promptly — at an accurate price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesstay on the market. So, getting a professional appraisal is a reliable 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.

Let TSH Real Estate and Appraisal Services, LLC help you sell your home quickly at the right price