Attention homeowners in Honolulu and Honolulu County: Need an appraisal?

Here are the top seven reasons why HI homeowners call on Yamaguchi & Yamaguchi, Inc.:

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

Need help determining the price of your house in or near Honolulu, HI?
Contact Yamaguchi & Yamaguchi, Inc..

At Yamaguchi & Yamaguchi, Inc., we understand the particular needs of a customer looking for appraisal services. While our usual 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/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Yamaguchi & Yamaguchi, Inc., are objective. We'll 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 property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.

Need to remove PMI?

A fashionable money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At Yamaguchi & Yamaguchi, Inc., we're experts in helping customers just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. This only means you are paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Yamaguchi & Yamaguchi, Inc. is your strongest weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Yamaguchi & Yamaguchi, Inc. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for efficiency? An appraiser from Yamaguchi & Yamaguchi, Inc. can go out and check the subject and comps in question in a field review. If you're in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? Yamaguchi & Yamaguchi, Inc. can We can assist you. While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.