Attention homeowners: Real estate appraisal services for in Honolulu and Honolulu County

The top 7 reasons HI homeowners call on Athena Coughlin:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to lower a monthly mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Need help determining the price of your house in or near Honolulu, HI?
Contact Athena Coughlin.

We at Athena Coughlin understand the individual needs of a customer seeking appraisal services. Our customary business clients get the appraisal process and the standard "products" we deliver to them. As our valued client, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Our professional appraisers at Athena Coughlin are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value report than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. Athena Coughlin is seasoned in helping folks just like you remove unwanted and unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that is going down -- your local tax assessor may have your home overvalued. This means you are most likely paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Athena Coughlin is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be unsuitable from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. Athena Coughlin can help you reinstate your home equity line of credit with efficient appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Athena Coughlin offers field reviews where we go out and check the subject and comparables. Or, if you need it 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.

Do you need a retrospective review of an appraisal? Athena Coughlin can help with that too. While usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.