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

See the top seven reasons HI homeowners order from Lum & Associates:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a HI property tax assessment
Remove PMI to cut their mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a HI divorce, when real estate needs to be divided
Determine the true market value of real estate in question to settle an estate in Honolulu county or HI

Do you own a house in or near Honolulu? Do you need help deciding the price of your real estate?
Contact Lum & Associates.

We at Lum & Associates understand the individual needs of a homeowner 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.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you most likely have an emotional attachment to it. The professional appraisers at Lum & Associates will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. Lum & Associates is seasoned in helping homeowners just like you remove unnecessary PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your home not appreciating as much as other houses close by. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An appraisal from Lum & Associates is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Lum & Associates can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for accuracy? We can go out and check the subject and comparables in question in a field review. If you need it immediately, 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.

Need a retrospective review of an appraisal report? We can help you with that While typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house.