Why you should get an appraisal from TSH Real Estate and Appraisal Services, LLCThousands of people in Hawaii buy, sell or refinance their home each year. A lot of these transactions have a simple line item for an appraisal. Almost all lenders still need a local expert because the stakes are so high, even though there are a budding number of automated home valuation methods that may appear to be more prudent than an appraisal. Is getting a mortgage the only reason you should get an appraisal? Are there more cases when the services of a certified, independent real estate professional could be beneficial? You bet. 
Challenge your tax assessment in Honolulu CountyIf 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. At TSH Real Estate and Appraisal Services, LLC, we're equipped to assist you in appealing your tax assessment. Removing PMI for mortgage paymentsWhen the amount being loaned to the homeowneris more than 80% of the actual value of the home, nearly all lenders ask homeowners to take out this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. This additional payment is often lumped into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. TSH Real Estate and Appraisal Services, LLC can give you a statement regarding the value of your home, and the expense of the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI. Order your appraisal from TSH Real Estate and Appraisal Services, LLC today Order onlineDivorce settlement with less stressA divorce is a particularly traumatic ordeal for the parties involved, and it is often more complicated by the burdensome decision of who maintains the property. It's a good idea to get an appraisal from TSH Real Estate and Appraisal Services, LLC so both parties are completely aware of the true market value of their house, regardless of the circumstances. If the parties want to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Ascertain an accurate and fair valuation for estate liquidationThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. We ensure the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up an unequal share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal. Move to or from Honolulu County through an employee relocation programWe are familiar with the stress involved with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide input on the positive aspects of their property, along with information regarding any new sales or listings in their neighborhood that they want considered. Sell your home quickly — at the right priceWhether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price. On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to determine what improvements will add value and what an appropriate 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 homes stay on the market. 
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