Beach Appraisal Services, LLC in Carrollton are called upon for diverse reasons

To a lot of people, an appraisal just looks like another fee in the long list of items for a home sale or refinance. And while there are a growing number of automated home valuation processes that might appear to be more practical than an appraisal, nearly all lenders still need a local expert because the stakes are so high. You might think that obtaining a mortgage is the only reason to get an appraisal, but there are more cases when the services of a certified, independent real estate professional might be helpful.

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Let Beach Appraisal Services, LLC help you dispute your tax assessment in Carroll County

If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Beach Appraisal Services, LLC is your best evidence when building your case. At Beach Appraisal Services, LLC, we're equipped to assist you in appealing your tax assessment.

Removing PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that nearly all lenders ask buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This extra payment is often lumped into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to dismiss the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, Beach Appraisal Services, LLC will produce a statement regarding the value of your home. The expense of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is an especially daunting event for the parties involved, and it is often more complicated by the hard decision of who keeps the home. It's a good idea to get an appraisal from Beach Appraisal Services, LLC so both parties are fully aware of the true market value of their property, regardless of the situation.

If the parties want to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate estate liquidation with help from Beach Appraisal Services, LLCSettling an estate

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We ensure the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to manage these affairs, unlike wealthy individuals. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the absolute value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocating to or from Carroll County?

Employee relocation can be a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough process, we suggest relocating employees to provide feedback on the positive characteristics of their property, along with information about any new sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price with an appraisal from Beach Appraisal Services, LLC

A professional appraisal can help you make a more informed decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value we report, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long homes stay on the market.