Need an appraisal in Hilo or Hawaii County?
Here are the top seven reasons why Hawaii homeowners hire Bloom Appraisers, Inc.:
We at Bloom Appraisers, Inc. understand the particular needs of a homeowner in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 own house because you most likely have an emotional attachment to it. Our professional appraisers at Bloom Appraisers, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your house's value, 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 a qualified appraiser's value opinion than yours.
Challenging a property tax assessmentYour local tax assessor may have your house overvalued if you live in a local area that's declining or not appreciating as much as other properties close by. This only means you're going to pay higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Bloom Appraisers, Inc. is your perfect weapon when contesting your property tax assessment.
Appraisals to cancel PMIPMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Bloom Appraisers, Inc., we're qualified in helping folks just like you abolish unwanted and unneeded PMI insurance.
HELOC recently frozen?Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be inopportune from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. Bloom Appraisers, Inc. can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review ServicesHave you just gotten a copy of your appraisal and you would wish to have an 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 will go out and check the subject and comps in question. Or, if you're in a rush, we can 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 you with a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.