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

Here are the top seven reasons why HI homeowners use George KH Lau & Assoc. Inc:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a HI property tax assessment
  3. Remove PMI to lower your mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate in Honolulu county or HI

Need help determining the price of your house in or near Honolulu, HI?
Contact George KH Lau & Assoc. Inc.

At George KH Lau & Assoc. Inc, we understand the special needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a consumer,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at George KH Lau & Assoc. Inc will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial 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 buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your house, 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. George KH Lau & Assoc. Inc is qualified in helping people just like you dismiss unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a local area that's declining. This means you are probably paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from George KH Lau & Assoc. Inc is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. George KH Lau & Assoc. Inc can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would prefer to have a professional double-check it for verity or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? George KH Lau & Assoc. Inc offers field reviews where we go out and check the subject and comps. Or, if you need it ASAP, 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 a retrospective review of any appraisal you may have had in the past. Even though this is usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your house.