Need an appraisal in Honolulu or Honolulu County?
Here are the top 7 reasons Hawaii homeowners hire Harlin Young & Co.:
At Harlin Young & Co., we understand the individual needs of a consumer after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 ServicesIt's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Harlin Young & Co., are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value estimation than yours.
Challenging property tax assessmentsLet's say you live in an area that is declining -- your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting a professional appraisal from Harlin Young & Co. is your best weapon when challenging your property tax assessment.
PMI Removal AppraisalsA preferred way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down 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 canceled from your loan. We are experienced in helping folks just like you do away with unnecessary PMI insurance.
Was your HELOC recently frozen?If your property is in or near 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. Not only can this be inconvenient from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Harlin Young & Co. can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review ServicesHave you just received a copy of your appraisal and you would like to have an expert double-check it for efficiency or do you want a second opinion without the expense 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 you may have in your possession. While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.